🚨🚨🚨 CREDIT TALK 🚨🚨🚨 When you FIRST receive that collection letter in the mail… DO NOT THROW IT AWAY! That letter is often full of violations that can put 💰💰💰 in YOUR pocket. Here’s your first step: 🔹 CONFRONT THEM! Send a Validation Letter to the debt collectors demanding they: ✅ Confirm the debt is actually yours (with proof). ✅ Prove they are LICENSED AND BONDED to collect in your state.