In this eye-opening episode of Debt Free in 30, host Doug Hoyes dives into the world of debt collection with Blair DeMarco of Kingston Data and Credit. Together, they unravel the complexities of debt collection and help you understand your rights from initial contact to facing settlement offers or legal threats. Whether you're grappling with old debts or dealing with aggressive collectors, this episode equips you with the knowledge and strategies you need to protect your credit and manage your debt effectively.

Timestamps and Titles:

00:00 - Introduction with Guest Blair DeMarco – How Collection Agencies Work

03:05 The Collection Process: Best Questions Answered

06:05 Understanding Your Rights: Statute of Limitations and Credit Reporting

12:10 Can You Be Sued by A Collection Agency? 15:00 Old Debt – How It's Affecting Your Credit and What to Do About It 17:45 Insights on Handling Aggressive Debt Collectors 20:10 Consumer Proposals and Stay of Proceedings – Navigating Your Options

21:45 Debt Re-Aging – Creditors Can Reset the Clock

24:45 What to Say When Debt Collectors Call Stay ahead of financial challenges with expert advice delivered straight to your device. Subscribe and turn on notifications here: Watch: YouTube Listen: Apple Spotify Podbay Deezer Amazon Music

Resources: Kingston Data and Credit Wage Garnishing: Know Your Rights Frozen Bank Accounts: What You Can Do Next

Stop Debt Collection Calls for GOOD

Special Thanks: Blair DeMarco Scott Terrio Disclaimer The information provided in the Debt Free in 30 podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personalized advice from a qualified financial advisor. Always consult with a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions or strategies discussed.