Mel Thompson
The goal of my website is to give you a practical way out of credit card debt(s) you have no hope of paying.
I am a real alternative to expensive debt settlement and other scams that can cost you dearly.
To prove my legitimacy, I offer a 60 day money back guarantee.
You can email me at info (at) creditsabre.com.
Mel Thompson
info (at)creditsabre (dot)com
508-796-5101
17 Westbrook Rd., Worcester, MA 01602
Copyright 2011-2015 Vision Publishing, Inc.
Terms of Use
Tried to download my e-books but nothing happens.
Hi Steve,
The link is now working. I am really sorry about this technical hitch. Any further problems please call me on 508-796-5101
I don’t see links for the videos. Downloaded books and letter just fine.
Please advise.
Order # ALHWMNJQ
Call me, or email me for the link.
Can I order the ebooks first, then the support after I’ve read through the materials and formulate my questions?
Yes, just email or call me first. My contact info is on this site’s Contact Page.
Hi. I just stopped paying on over 150k in credit cards and personal loans. Had no idea that I would ever become disabled and on ssdi. I have always worked and paid my Bill’s. I really want to purchase your product if it can really help me. I know I am collection proof. Dont own a single asset. Just trying to make the decision.
Try Googling collection proof letters. There are some on the CFPB web site. Mel
Should i close a credit card account i am going to do a charge off or should i just stop paying?
The only way they will close it for you is if you pay off the balance.
If i cannot pay the debt then i should just stop paying and then the debt would be changed off.I would then dispute this on my credit report and could be removed?
You can get debt collectors off your credit report, but you cannot get the original creditor they collect for off. It IS your debt.
You cannot get the original creditor off of your credit report, but you can remove any debt collector who is collecting for the original creditor by invoking the FDCPA
You have the right to have the collector cease all collection activity, which includes negative listings on your credit report. One of my ebooks shows you how to do that.
I suggest you more fully educate yourself before you make any decisions about your finances.
Hi Mel . I absolutely want to work with you but right now I only have telephone access to internet so trying to read material is too hard . I can pay for it but want a full screen to study. Only question should I answer the phone with the banks call? I’m 65 boy I didn’t forsee my business getting so tuff for me my income had dropped about 1/3 at least. Best BonnieJensen
Answer, tell them you cannot pay, do not admit to anything and hang-up.
Also, tell the caller that you do not discuss your personal financial affairs over the telephone with strangers.
You have no way of knowing they are actually with the bank.
Hi Mel,
I am collecting Social Security and just received a court summons for a Sears Credit Card in the amount of $8500 after all of the interest they tacked on at 29.99%. Court date is Feb 10.
Husband is still working – marital property state (WI)
We are selling our home this coming summer and intend to pay debt once that happens. How do you suggest I handle the court summons for this credit card debt? Thank you for your help.
You need to find a good consumer rights attorney to answer your summons for you. Or, you funds are just going to be eaten up by fees and penalties.
Mel, I used a letter to ask for validation of a $95.00 collection but they ignored and still placed it on my credit report as being charged off and I sent a certified letter asking them to verify and not to place a negative remark. Two things I want to ask of you. 1) ARe they in violation of FCRPA (?). 2) what does CMRRR mean? I saw that on the letter you suggested but did not know what it was. I didn’t send a CMRRR. Thank you for your info. 3) I have several charged off accounts on my credit now. HOw and what should I do.
Sam
CMRRR means certified mail return receipt requested. If you read my books, in them I explain that the FTC issued a letter about 15 years ago that includes negative listings on credit reports as collection activities, which ARE covered by the FDCPA.
I’m pretty sure you misspelled the word “desolve” on your site. You might want to check out a site like SpellRadar.com or SiteCheck.com which have helped me with problems like this in the past.
How Do I get collections off my report with statute of limitations below is the info by them.
AARGON AGNCY
Date reported
05/31/2021
Date assigned
12/31/2019
Amount
$3,835
Status date
05/31/2021
Balance date
05/31/2021
You need to write the debt collector instructing them to cease all collection activities per the FDCPA which include negative listings on credit reports.
I’m current on all my payments, but it is eating away at my savings.
At some point you are going to have to make the decision to stop paying and risk collection efforts.
Mel thanks for all the advice. what about unsecured loans ? Is it a different approach than dealing with credit card debt ?
Unsecured loans are easier to collect on because the payments do not change and because you signed loan papers.