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@marleyypontius: the jump from 11 to 12 months🥹time please slow down🥲 #birthday #girl #MomsofTikTok #mommydaughter #fyp

marley | girl mom🌷
marley | girl mom🌷
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Region: US
Thursday 31 July 2025 12:01:03 GMT
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adatoro03
MNAda Toro Asencio :
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2025-07-31 14:08:50
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Replying to @BMS.Clipss I hope this helps! 5 FACTS about challenging a debt collector…. Save this for NOW! ✍🏼 1️⃣. Midland & LVNV for example are debt buyers, NOT the original creditors ✅ 2️⃣. You have the RIGHT to request debt validation! This means under the FDCPA, you can send a Debt Validation Letter requesting PROOF that - they own the debt - the amount is accurate - they’re legally allowed to collect 🚨if they can’t validate it, they MUST stop collection and remove it from your credit reports ( my step by step DIY program has all the letters and guide to help you do this correctly and legally) 3️⃣. They often restart the clock ILLEGALLY😳 These companies have been accused of re-aging debt illegally by updating the date of the last activity to make the debt look new 🫠 This makes it easier to challenge! 4️⃣. They make sue you, BUT you can still fight back! If you’re being sued, do NOT ignore it! This is when my legal protection program can help! Just say “LÉGAL” for my help and access to an affordable attorney in your area! ⚖️ 5️⃣. Paying doesn’t guarantee credit repair or score increase If you pay without a written agreement, like a pay to delete letter, they debt may still show as “PAID COLLECTION”, which STILL hurts your score! This is WHY my step by step DIY program can help… ALWAYS dispute or negotiate deletion BEFORE paying 🔑 Just say “LÉGAL” for my help and access to an affordable attorney in your area! ⚖️ #fin#financee#creditdebtgalhelp
Replying to @BMS.Clipss I hope this helps! 5 FACTS about challenging a debt collector…. Save this for NOW! ✍🏼 1️⃣. Midland & LVNV for example are debt buyers, NOT the original creditors ✅ 2️⃣. You have the RIGHT to request debt validation! This means under the FDCPA, you can send a Debt Validation Letter requesting PROOF that - they own the debt - the amount is accurate - they’re legally allowed to collect 🚨if they can’t validate it, they MUST stop collection and remove it from your credit reports ( my step by step DIY program has all the letters and guide to help you do this correctly and legally) 3️⃣. They often restart the clock ILLEGALLY😳 These companies have been accused of re-aging debt illegally by updating the date of the last activity to make the debt look new 🫠 This makes it easier to challenge! 4️⃣. They make sue you, BUT you can still fight back! If you’re being sued, do NOT ignore it! This is when my legal protection program can help! Just say “LÉGAL” for my help and access to an affordable attorney in your area! ⚖️ 5️⃣. Paying doesn’t guarantee credit repair or score increase If you pay without a written agreement, like a pay to delete letter, they debt may still show as “PAID COLLECTION”, which STILL hurts your score! This is WHY my step by step DIY program can help… ALWAYS dispute or negotiate deletion BEFORE paying 🔑 Just say “LÉGAL” for my help and access to an affordable attorney in your area! ⚖️ #fin#financee#creditdebtgalhelp

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