This video breaks down 15 U.S.C. § 1692n, the FDCPA provision that decides who wins when state and federal debt collection laws collide. You will learn why the FDCPA acts as a floor, not a ceiling, how state laws are allowed to add protections but not remove them, and what happens when a state statute quietly weakens consumer rights. Great educational tool.

📢 Visit https://killdebt.com — powered by ParkerGPT, the AI legal chatbot for debt defense. Access guides, templates, and proven strategies to stop debt collector harassment.

📘 Facebook →  https://www.facebook.com/CollectionStopper
📸 Instagram → https://www.instagram.com/collectionstopper
🎵 TikTok → https://www.tiktok.com/@collectionsolutions
ℹ️ LinkedIn → https://www.linkedin.com/company/killdebt

00:00 Intro
00:54 State Vs Federal
04:36 Florida Law Change
07:28 The Power Of N
10:09 Email Timing Trap
14:24 Legislature Misfire
20:10 Process Server Problem
28:42 Federal Law Wins

#DebtBuyer #CreditReport #KnowYourRights #FDCPA #DebtValidation #MiniMirandaRights #DebtHelp #CreditRepairTips #ConsumerRights #DebtCollection #DebtRelief #CreditScoreHelp #StopDebtCollectors #DebtLaws #CreditAwareness #FightDebtCollectors #CreditProtection #DebtAdvice #DebtTips #LegalRights #Killdebt #BrianParker #MirandaRights #DebtCollection

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Disclaimer: Please remember that anyone viewing or listening to this information, podcast and/or video is not being invited to create an attorney-client relationship in any way. This is strictly informational to assist anyone who needs to be pointed in a direction similarly as one would do any research. Though I am a proud member of the State Bars of Florida and Michigan, this is a source of research and insight into how Brian Parker's mind operates and how he perceives the practice of law when it is used for the benefit of victims Mr. Parker does represent. Take what you need knowing I am not practicing law for you or anyone else in any state through this medium or media. I am sharing and caring.
BPP

This video breaks down how state debt collection laws, often called mini-FDCPA statutes, can give you stronger protections than the federal Fair Debt Collection Practices Act. We explain why federal law is can be added to and how states are allowed to go further under 15 U.S.C. § 1692n, and why debt buyers rely on consumers not knowing state law and the great options for consumers beyond the FDCPA. Great debt defense tricks if you are in a state with weak consumer and collection protections.

📢 Visit https://killdebt.com — powered by ParkerGPT, the AI legal chatbot for debt defense. Access guides, templates, and proven strategies to stop debt collector harassment.

📘 Facebook →  https://www.facebook.com/CollectionStopper
📸 Instagram → https://www.instagram.com/collectionstopper
🎵 TikTok → https://www.tiktok.com/@collectionsolutions
ℹ️ LinkedIn → https://www.linkedin.com/company/killdebt

00:00 Intro
00:56 Case Overview
02:40 Who The Law Really Covers
06:20 The False Name Problem
08:20 When State Law Matters
10:20 Strong States Explained
15:30 Legal Power
20:10 Why Lawsuits Get Dismissed
23:40 Governing Law Strategy
27:30 Key Takeaways And Tools

#DebtBuyer #CreditReport #KnowYourRights #FDCPA #DebtValidation #MiniMirandaRights #DebtHelp #CreditRepairTips #ConsumerRights #DebtCollection #DebtRelief #CreditScoreHelp #StopDebtCollectors #DebtLaws #CreditAwareness #FightDebtCollectors #CreditProtection #DebtAdvice #DebtTips #LegalRights #Killdebt #BrianParker #MirandaRights #debtcollection

Support the show

Disclaimer: Please remember that anyone viewing or listening to this information, podcast and/or video is not being invited to create an attorney-client relationship in any way. This is strictly informational to assist anyone who needs to be pointed in a direction similarly as one would do any research. Though I am a proud member of the State Bars of Florida and Michigan, this is a source of research and insight into how Brian Parker's mind operates and how he perceives the practice of law when it is used for the benefit of victims Mr. Parker does represent. Take what you need knowing I am not practicing law for you or anyone else in any state through this medium or media. I am sharing and caring.
BPP

Fixing your credit through the FCRA credit is about understanding the Fair Credit Reporting Act (FCRA) and using the dispute process the way Congress intended. There are rules and procedures you can use to clean up things that are inaccurate or false. The burden is upon the CRAs and Furnishers to provide Maximum Possible Accuracy or face you in Court. Hope this helps you clean up the false trade lines on your credit. Thank you.

📢 Visit https://killdebt.com — powered by ParkerGPT, the AI legal chatbot for debt defense. Access guides, templates, and proven strategies to stop debt collector harassment.

📘 Facebook →  https://www.facebook.com/CollectionStopper
📸 Instagram → https://www.instagram.com/collectionstopper
🎵 TikTok → https://www.tiktok.com/@collectionsolutions
ℹ️ LinkedIn → https://www.linkedin.com/company/killdebt

00:00 Intro
01:17 What This Covers
03:10 How Credit Reporting Works
06:03 What A Dispute Really Is
08:11 The Dispute Process
12:26 The 100 Word Statement
17:47 Accuracy And Liability
26:20 Furnisher Investigations
39:05 Mandatory Deletion
40:09 Real Case Example & Closing


#FairCreditReportingAct #FCRA #CreditDisputes #CreditReportErrors #Reinvestigation #CreditBureaus #ConsumerReportingAgencies #FurnisherDuties #CreditLaw #ConsumerRights #CreditRepairEducation #CreditAccuracy #FederalLaw #DisputeProcess #CreditReporting #KnowYourRights #FCRAGuide #CreditDefense #ConsumerProtection #CreditLitigation

Support the show

Disclaimer: Please remember that anyone viewing or listening to this information, podcast and/or video is not being invited to create an attorney-client relationship in any way. This is strictly informational to assist anyone who needs to be pointed in a direction similarly as one would do any research. Though I am a proud member of the State Bars of Florida and Michigan, this is a source of research and insight into how Brian Parker's mind operates and how he perceives the practice of law when it is used for the benefit of victims Mr. Parker does represent. Take what you need knowing I am not practicing law for you or anyone else in any state through this medium or media. I am sharing and caring.
BPP

This video explains the legal Right To Cure and how it can stop repossessions and collection lawsuits in many states. Learn when creditors must give you notice and time to fix a default and how to use validation and right cure letters in repossession and collection cases to buy time or kill a case. Apply these practical steps to your situation to build defenses and recover damages if your car or property was wrongfully taken or you are wrongfully sued with out the proper procedure. Attached at killdebt.com are great sample letters and an e-book  guide you can use right away.

📢 Visit https://killdebt.com — powered by ParkerGPT, the AI legal chatbot for debt defense. Access guides, templates, and proven strategies to stop debt collector harassment.

📘 Facebook →  https://www.facebook.com/CollectionStopper
📸 Instagram → https://www.instagram.com/collectionstopper
🎵 TikTok → https://www.tiktok.com/@collectionsolutions
ℹ️ LinkedIn → https://www.linkedin.com/company/killdebt

00:00 Intro
01:04 Right To Cure Law
06:00 How It Works
10:30 State Variations
15:20 Governing Law
20:00 Defense Strategies
24:30 Case Examples
29:10 Practical Steps
33:00 Letters And Tips
34:40 Final Thoughts

#RightToCure #RepossessionDefense #DebtLawsuitDefense #ValidationLetter #DebtBuyers #ConsumerRights #FDCPA #DebtValidation #CreditDispute #DebtDefense #DebtBuyer #CreditReport #KnowYourRights #FDCPA #DebtValidation #MiniMirandaRights #DebtHelp #CreditRepairTips #ConsumerRights #DebtCollection #DebtRelief #CreditScoreHelp #StopDebtCollectors #DebtLaws #CreditAwareness #FightDebtCollectors #CreditProtection #DebtAdvice #DebtTips #LegalRights #Killdebt #BrianParker #MirandaRights #DebtCollection

Support the show

Disclaimer: Please remember that anyone viewing or listening to this information, podcast and/or video is not being invited to create an attorney-client relationship in any way. This is strictly informational to assist anyone who needs to be pointed in a direction similarly as one would do any research. Though I am a proud member of the State Bars of Florida and Michigan, this is a source of research and insight into how Brian Parker's mind operates and how he perceives the practice of law when it is used for the benefit of victims Mr. Parker does represent. Take what you need knowing I am not practicing law for you or anyone else in any state through this medium or media. I am sharing and caring.
BPP

What really happens when a single letter turns into a federal lawsuit. This video breaks down how one debt collector’s simple mistake became a full blown appellate battle and why the Ninth Circuit said it mattered. You will see how standing, intrusion on privacy, and federal protections collide in a case that started with one envelope and ended with a Supreme Court denial. This is a clear reminder that even one violation can open the door to federal court and that consumers represented by counsel are not supposed to be contacted directly.

📢 Visit https://killdebt.com — powered by ParkerGPT, the AI legal chatbot for debt defense. Access guides, templates, and proven strategies to stop debt collector harassment.

📘 Facebook →  https://www.facebook.com/CollectionStopper
📸 Instagram → https://www.instagram.com/collectionstopper
🎵 TikTok → https://www.tiktok.com/@collectionsolutions
ℹ️ LinkedIn → https://www.linkedin.com/company/killdebt

00:00 Intro
00:45 Circuit Overview
03:50 Case Timeline
06:02 Attorney Response
09:27 Standing Law
17:25 District Order
20:21 Appeal Reasoning
24:17 Privacy Tort
28:58 Denied
33:22 ParkerGPT and Closing

#NinthCircuit #SixthCircuit  #SupremeCourt # #FDCPA #FCPAAppeal #FederalStatute  #IQData #DebtVerificationLetter #DisputeLetter #CreditReportDispute #SummaryJudgment #ReputationalHarm  #CFPB #SafeHarborLetter #DebtCollectorContact #FederalCase #DebtCollectorViolation #PrivacyIntrusion #DebtCollectionLaw #FDCPAExplained #LegalBreakdown #SingleLetterCase #KnowYourRights #LegalTips #KillDebt #ParkerGPT #DebtHelp #ConsumerRights #DebtDefense #ConsumerProtection

Support the show

Disclaimer: Please remember that anyone viewing or listening to this information, podcast and/or video is not being invited to create an attorney-client relationship in any way. This is strictly informational to assist anyone who needs to be pointed in a direction similarly as one would do any research. Though I am a proud member of the State Bars of Florida and Michigan, this is a source of research and insight into how Brian Parker's mind operates and how he perceives the practice of law when it is used for the benefit of victims Mr. Parker does represent. Take what you need knowing I am not practicing law for you or anyone else in any state through this medium or media. I am sharing and caring.
BPP

This video is a complete defense guide to using the Truth in Lending Act also known as TILA in debt collection cases. Brian Parker walks you through the key sections of TILA, Regulation Z basics, common disclosure violations, rescission rights, recoupment and set off strategies, damages and attorney fee remedies, and practical examples you can use to push for debt elimination or settlement leverage.

📢 Visit https://killdebt.com — powered by ParkerGPT, the AI legal chatbot for debt defense. Access guides, templates, and proven strategies to stop debt collector harassment.

📘 Facebook →  https://www.facebook.com/CollectionStopper
📸 Instagram → https://www.instagram.com/collectionstopper
🎵 TikTok → https://www.tiktok.com/@collectionsolutions
ℹ️ LinkedIn → https://www.linkedin.com/company/killdebt

00:00 Intro
01:07 Case Overview
09:00 Key Sections
13:30 Who It Covers
18:30 Disclosure Forms
23:30 Damages Explained
28:30 Rescission Rights
33:30 Case Law
38:30 Recoupment Basics
43:30 Practical Examples
49:30 Bottom Line

#TruthInLending #TILA #DebtDefense #DebtCollectionDefense #Rescission #Recoupment #Setoff #RegulationZ #ConsumerRights #DebtLaw #DebtBuyer #CreditReport #KnowYourRights #FDCPA #DebtValidation #MiniMirandaRights #DebtHelp #CreditRepairTips #ConsumerRights #DebtCollection #DebtRelief #CreditScoreHelp #StopDebtCollectors #DebtLaws #CreditAwareness #FightDebtCollectors #CreditProtection #DebtAdvice #DebtTips #LegalRights #Killdebt #BrianParker #MirandaRights #DebtCollection

Support the show

Disclaimer: Please remember that anyone viewing or listening to this information, podcast and/or video is not being invited to create an attorney-client relationship in any way. This is strictly informational to assist anyone who needs to be pointed in a direction similarly as one would do any research. Though I am a proud member of the State Bars of Florida and Michigan, this is a source of research and insight into how Brian Parker's mind operates and how he perceives the practice of law when it is used for the benefit of victims Mr. Parker does represent. Take what you need knowing I am not practicing law for you or anyone else in any state through this medium or media. I am sharing and caring.
BPP

In this video Brian Parker shows you exactly how a member of KillDebt.com wiped out a creditor lawsuit by using a step by step defense strategy that hits every weak point in the bank's case. He walks you through how to break down the complaint and analyze flawed documents to expose standing issues through securitization. Also, the member pushed discovery until the attorney could not keep up and flipped the power dynamic so the creditor settled for a full debt elimination.

📢 Visit https://killdebt.com — powered by ParkerGPT, the AI legal chatbot for debt defense. Access guides, templates, and proven strategies to stop debt collector harassment.

📘 Facebook →  https://www.facebook.com/CollectionStopper
📸 Instagram → https://www.instagram.com/collectionstopper
🎵 TikTok → https://www.tiktok.com/@collectionsolutions
ℹ️ LinkedIn → https://www.linkedin.com/company/killdebt

00:00 Intro
01:00 Case Summary
03:00 Document Analysis
06:00 Member Narrative
09:00 Securitization
11:30 Discovery Tactics
16:00 Affirmative Defenses
21:00 Depositions
27:00 Negotiation
31:30 Closing and ParkerGPT

#CreditorDefense #CreditCardLawsuit #SecuritizationDefense #DiscoveryStrategy #RequestsForAdmission #DepositionTactics #Counterclaims #MutualWalkAway #DismissalWithPrejudice #BeatDebtCollectors #DebtBuyer #CreditReport #KnowYourRights #FDCPA #DebtValidation #MiniMirandaRights #DebtHelp #CreditRepairTips #ConsumerRights #DebtCollection #DebtRelief #CreditScoreHelp #StopDebtCollectors #DebtLaws #CreditAwareness #FightDebtCollectors #CreditProtection #DebtAdvice #DebtTips #LegalRights #Killdebt #BrianParker #MirandaRights #DebtCollection

Support the show

Disclaimer: Please remember that anyone viewing or listening to this information, podcast and/or video is not being invited to create an attorney-client relationship in any way. This is strictly informational to assist anyone who needs to be pointed in a direction similarly as one would do any research. Though I am a proud member of the State Bars of Florida and Michigan, this is a source of research and insight into how Brian Parker's mind operates and how he perceives the practice of law when it is used for the benefit of victims Mr. Parker does represent. Take what you need knowing I am not practicing law for you or anyone else in any state through this medium or media. I am sharing and caring.
BPP

In this video, Brian shows how a member used letters and the loan agreement itself to push back against a debt buyer during the most overlooked window of a lawsuit. By sending assignment letters, ownership requests, revocation notices, registry demands, and forward flow challenges, the member forced the debt buyer to confront its own contract obligations. The documents they relied on became the very tools used against them. This breakdown shows how paper, timing, and contract rights can turn a debt claim into a dismissal.

📢 Visit https://killdebt.com — powered by ParkerGPT, the AI legal chatbot for debt defense. Access guides, templates, and proven strategies to stop debt collector harassment.

📘 Facebook →    / collectionstopper  
📸 Instagram →   / collectionstopper  
🎵 TikTok →   / collectionsolutions  
ℹ️ LinkedIn →   / killdebt  

00:00 Intro
01:13 Purpose And Letters
04:47 Case Overview
07:09 Loan Agreement & Cross River Bank
09:07 Analysis of a Loan Agreement
12:18 Assignment Records
16:44 Evidence Pressure
20:35 Member's Narrative & Closing


#DebtBuyerDefense #LoanAgreement #AssignmentLetters #ForwardFlow #DebtBuyerTactics #PCAAcquisitions #CrossRiverBank #DebtCaseStudy #PaperTrailProof #ContractRights #DebtBuyer #CreditReport #KnowYourRights #FDCPA #DebtValidation #MiniMirandaRights #DebtHelp #CreditRepairTips #ConsumerRights #DebtCollection #DebtRelief #CreditScoreHelp #StopDebtCollectors #DebtLaws #CreditAwareness #FightDebtCollectors #CreditProtection #DebtAdvice #DebtTips #LegalRights #Killdebt #BrianParker #MirandaRights #DebtCollection

Support the show

Disclaimer: Please remember that anyone viewing or listening to this information, podcast and/or video is not being invited to create an attorney-client relationship in any way. This is strictly informational to assist anyone who needs to be pointed in a direction similarly as one would do any research. Though I am a proud member of the State Bars of Florida and Michigan, this is a source of research and insight into how Brian Parker's mind operates and how he perceives the practice of law when it is used for the benefit of victims Mr. Parker does represent. Take what you need knowing I am not practicing law for you or anyone else in any state through this medium or media. I am sharing and caring.
BPP

What are the five things you should never do when dealing with a debt collector? This video breaks down the core mistakes that cause people to lose cases they should have won. Brian explains how collectors use your words, your emotions, and your assumptions against you, and why protecting the information gap is the key to surviving any collection attempt. Avoid these five mistakes and build your best collection defense. Go get 'em.

📢 Visit https://killdebt.com — powered by ParkerGPT, the AI legal chatbot for debt defense. Access guides, templates, and proven strategies to stop debt collector harassment.

📘 Facebook →  https://www.facebook.com/CollectionStopper
📸 Instagram → https://www.instagram.com/collectionstopper
🎵 TikTok → https://www.tiktok.com/@collectionsolutions
ℹ️ LinkedIn → https://www.linkedin.com/company/killdebt

00:00 Intro
00:25 Case Breakdown
03:16 Common Traps
06:04 Hidden Burdens
09:10 Collector Tactics
13:19 Written Protection
16:52 The Pitfalls
21:06 Lawsuit Pattern
26:51 Closing and Guidance

#DebtMistakes #DebtAdviceVideo #CollectorsExposed #ConsumerWarnings #DebtDefenseGuide #DebtBuyer #CreditReport #KnowYourRights #FDCPA #DebtValidation #MiniMirandaRights #DebtHelp #CreditRepairTips #ConsumerRights #DebtCollection #DebtRelief #CreditScoreHelp #StopDebtCollectors #DebtLaws #CreditAwareness #FightDebtCollectors #CreditProtection #DebtAdvice #DebtTips #LegalRights #Killdebt #BrianParker #MirandaRights #DebtCollection

Support the show

Disclaimer: Please remember that anyone viewing or listening to this information, podcast and/or video is not being invited to create an attorney-client relationship in any way. This is strictly informational to assist anyone who needs to be pointed in a direction similarly as one would do any research. Though I am a proud member of the State Bars of Florida and Michigan, this is a source of research and insight into how Brian Parker's mind operates and how he perceives the practice of law when it is used for the benefit of victims Mr. Parker does represent. Take what you need knowing I am not practicing law for you or anyone else in any state through this medium or media. I am sharing and caring.
BPP

Brian Parker breaks down another beatdown of Mandarich Law Firm and Velocity Investments LLC. Watch how weak pleadings and sloppy proof by Mandarich open up chances to win motion to compel discovery and win sanctions. 

📢 Become a Member to Download Documents Mentioned in this Video: https://killdebt.com

📘 Facebook →  https://www.facebook.com/CollectionStopper
📸 Instagram → https://www.instagram.com/collectionstopper
🎵 TikTok → https://www.tiktok.com/@collectionsolutions
ℹ️ LinkedIn → https://www.linkedin.com/company/killdebt

00:00 Intro
00:37 Background
02:03 Weak Pleadings
04:30 Paper Evidence
06:30 Strategy
09:10 Deposition Tactics
12:40 Motion To Compel
15:50 Sanctions Win
17:01 Closing

#MandarichLaw #MandarichLawFirm #VelocityLawsuit #VelocityLLC #VelocityInvestments  #MotionToCompel #DepositionNotice #DiscoveryStrategy #Sanctions #PromissoryNote #ChainOfTitle #AssignmentIssues #CreditorsVsConsumers #JPMorganCase #ParkerGPT #Kildare #DebtBuyer #CreditReport #KnowYourRights #FDCPA #DebtValidation #MiniMirandaRights #DebtHelp #CreditRepairTips #ConsumerRights #DebtCollection #DebtRelief #CreditScoreHelp #StopDebtCollectors #DebtLaws #CreditAwareness #FightDebtCollectors #CreditProtection #DebtAdvice #DebtTips #LegalRights #Killdebt #BrianParker #MirandaRights #debtcollectionharassment

Support the show

Disclaimer: Please remember that anyone viewing or listening to this information, podcast and/or video is not being invited to create an attorney-client relationship in any way. This is strictly informational to assist anyone who needs to be pointed in a direction similarly as one would do any research. Though I am a proud member of the State Bars of Florida and Michigan, this is a source of research and insight into how Brian Parker's mind operates and how he perceives the practice of law when it is used for the benefit of victims Mr. Parker does represent. Take what you need knowing I am not practicing law for you or anyone else in any state through this medium or media. I am sharing and caring.
BPP