🚨 THEY LIED TO YOU! 🚨 ✍️ Without your written consent, it is illegal for a collection agency to purchase your debt and come after you! ⚖️ 📜 Pursuant to FDCPA – 15 U.S. Code §1692, consumers have rights they were never told about! 🧠 ❌ You can permanently remove negative items from your credit report without paying them off when they can’t prove legality! 💳🧹 📉 Accounts that CAN be challenged: 👇 🗂️ Collections 🏥 Medical Bills ⚠️ Charge-Offs 🏠 Evictions ⏰ Late Payments 🚗 Repossessions 🎓