When debt collectors contact you about money you may owe, they are required by law to provide you with certain information:
- The name of the creditor you supposedly owe money to.
- The amount you owe.
- That you have the right to dispute the debt, but if you don’t dispute it within 30 days of being contacted, the debt collector can assume it is valid.
- That if you dispute the debt in writing, the debt collector must provide written evidence of the debt.
If debt collectors first contact you by phone, insist that they instead contact you in writing. They are then required to send you a debt validation letter within five days, containing all of that information.
When disputing a debt, make sure you date your letter and send it via certified mail, so you have a record of when the debt collector received it.
If you are requesting additional information, your letter should ask for details on why the debt collector believes you’re responsible for the debt, how old the debt is, and whether the agency is licensed to collect it.
What you'll get:
- A Powerful letter that will aid in. reclaiming your rights to make the debt collector prove that you indeed owe the money.
Digital Products Refund Policy
Purchase Terms of Agreement
The purchase of digital products, including PDF downloads and online material is subject to the following terms and conditions. Consumers are advised to review carefully before making any purchase.
Payment + Refund Policy
All transactions for purchase of intangible products, pdf downloads, resource material, and online content are made through payment gateways such as PayPal or Stripe that use SSL encryption. These payment gateways are safe and secure for using all types of credit cards and debit cards in different countries and your details are not stored during this process.
Since your purchase is a digital product, it is deemed “used” after download or opening, and all purchases made on www.creditwarriors.org are non-refundable or exchangeable. Since the products made available here are intangible, there is a strict no refund policy.
CreditWarriors Inc reserves the right to amend any information, including but not limited to prices, technical specifications, terms of purchase and product or service offerings without prior notice.
Delivery of Goods and Services
If you do not receive the digital product link upon purchasing, you can immediately contact [email protected] with your transaction/payment details to ensure your product is delivered as soon as possible.
The information contained in this product is not legal advice, nor does it guarantee desired results.