In this explosive episode of The Marvin Francois Show, we sit down with consumer law expert and courtroom tactician Vance Dotson to expose the truth behind debt collectors—and how to beat them at their own game. From a life-changing car accident to winning thousands in court using nothing but a recorder and his rights, Vance shares the exact steps consumers can take to fight back. We break down the difference between debt validation and verification, why “I refuse to pay” is more powerful than you think, and how recording a phone call the right way could land you a legal victory. Whether you’re drowning in collections or just want to understand your rights, this episode is your financial wake-up call. Tap in and learn how the underdog can win—legally and lucratively.