Search online to see if the debt collector (or the company that originally held the debt) reports debt to the credit bureaus. Some hospitals, for example, will say directly on their website “neither we nor our debt collectors report debt to the credit bureaus”. If ithey do report to the bureaus, and if it’s a medical debt, I think they have to wait a year before reporting.

(https://xoxohth.com/thread.php?thread_id=4596215&forum_id=2#40695685)

Elysia Mazurek

http://www.tinyurl.com/elysiamazurek

https://www.docdroid.net/bswewWy/elysia-mazurek-ontinder-pdf

http://www.freezepage.com/1595025099PJUWXBUVBI

http://www.freezepage.com/1594485287VGCZMDCZTO/info

http://www.freezepage.com/1594485287VGCZMDCZTO/info

https://www.docdroid.net/kBl2WNY/elysia-mazurek-tinderslut-pdf

(https://xoxohth.com/thread.php?thread_id=4596215&forum_id=2#40697414)

Unless you expect to take out a loan soon or will be needto pass a C&F for bar admission, your credit score is not really all that important. One unpaid debt isn't likely to meaningfully impact your ability to rent a place to live, etc. So, my strategy would be to wait a while - years if possible - to challenge this. Chances are the current collections folks will be able to get the paperwork if they don't have it in hand already. But if they don't collect soon it will probably get resold to someone else once or twice (basically, to the people who buy shitty debt for cheap, instead of people who buy 2 month past due debt for 700-credit score peeps like yourself). At that point even if they have their paperwork in order chances are higher they will write it off as not worth the effort to deal with you.

For what it's worth, I know someone who did this. Her credit score was total shit for awhile but she typically had a decent job and kept her other bills paid, and after moving a couple of times (not related to the collections, just because ppl move) and waiting about 4 years, she executed above strategy. She never paid the $50k or whatever she owed, didn't do a bankruptcy, and now has excellent credit because those dings all were removed automatically.

(https://xoxohth.com/thread.php?thread_id=4596215&forum_id=2#40696310)

I have literally never come across an assignee of bundled consumer debt who could go the distance.

(https://xoxohth.com/thread.php?thread_id=4596215&forum_id=2#40696571)

Most often, the assignment document will incorporate some other document that lists the assigned debts. The plaintiffs hate giving that up. But it's necessary to see whether the defendants' purported debts were assigned at all.

And even if the documents exist, they need to be authenticated by someone with the requisite knowledge, and someone needs to be able to establish the elements of the business records exception to hearsay.

There will generally be an affidavit or declaration from a purported custodian of records, but they are very often defective because, typically because they don't recite much of a factual basis beyond reciting the elements of the hearsay exception.

And if they do assert some specific facts, you can challenge them in discovery.

Naturally, if there have been multiple assignments, the problems compound.

Those aren't insurmountable problems by any means. But plaintiffs don't want to put the time and effort into fixing them and don't want to risk having their internal documents exposed.

(https://xoxohth.com/thread.php?thread_id=4596215&forum_id=2#40699675)