National Suicide Prevention Lifeline: 988 | Veteran @usarmy | President @dashfinearts
Tampa, FL
Joined June 2015
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my 9 year old sister just asked me if I knew who Zac Efron was. child, I was breakin’ free, soarin’ flyin’ before you were born
“They gathered in such large numbers that there was no room left, not even outside the door, and he preached the word to them.” — Mark 2:2
Happy Easter! ✝️
Hey @Publix,
Maybe don’t put clearance signs on things if they’re not on clearance. Just a suggestion. Groceries are already expensive enough.
This is false. FDCPA won’t make you rich. It’s $1K max per case. But the TCPA? That’s where I made $10K+ from illegal robocalls + spam texts. $500–$1,500 per call is real when they violate consent rules. Don’t chase myths, use the right law.
i pray debt collectors call me
seriously
every call is worth $1,000
they don't know i know the law:
- call before 8am? $1K violation
- call after 9pm? $1K violation
- call after i said stop? $1K violation
- call my employer? $1K violation
- threaten arrest? $5K violation
i don't block them
i record them
then i send a demand letter
"you violated FDCPA section 805(a)(1)
pay me $3K or we go to federal court"
they settle for $1,500 to make me go away
last year i made $18K from debt collectors
who were trying to collect $6K
i turned my debt into income
become the hunter, not the hunted
here's the exact demand letter template:
[CERTIFIED MAIL - RETURN RECEIPT]
[Collection Agency]
[Address]
Re: Account #[XXX]
FDCPA Violations - Demand for Payment
Dear [Agency],
This letter serves as formal notice of your violations of the Fair Debt Collection Practices Act (FDCPA), 15 USC 1692.
Documented Violations:
1. [Date] at [Time]: Called before 8:00 AM
Violation: 15 USC 1692c(a)(1)
Statutory Damages: $1,000
2. [Date] at [Time]: Called after cease request
Violation: 15 USC 1692c(c)
Statutory Damages: $1,000
3. [Date]: Threatened legal action without intent
Violation: 15 USC 1692e(5)
Statutory Damages: $1,000
Total Statutory Damages: $3,000
Plus actual damages, attorney fees, and court costs
I have recorded all calls and maintained detailed logs.
Settlement Offer:
To avoid litigation, I will accept $1,500 as payment in full for these violations and deletion of the alleged debt from all credit reports.
You have 15 days to respond before I file suit in federal court.
I am also filing complaints with:
- CFPB
- State Attorney General
- FTC
- BBB
Sincerely,
[Your name]
The secret sauce:
- Always mention attorney fees (they panic)
- Reference specific USC codes (shows you're serious)
- Give them an out for less than maximum (they'll take it)
They buy debt for 2 cents on the dollar
Paying you $1,500 to go away is cheaper than court
My record: $4,500 from one agency
They called my mom (big mistake)
You are not a victim
You are an opportunity
Let them violate
Then get paid
Collections ruining your life? We delete everything in 30-90 days
DM me "CREDIT"
Or ready for funding? I can get you $100K at 0% APR... guaranteed
Link in bio → Evasion Capital
Readers added context they thought people might want to know
Many of this wrong but for starters: Under the FDCPA, a consumer can get up to $1,000 total in statutory damages per lawsuit, not per violation starks.law/articles/how-m…
FDCPA Statutory Damages Cap
Under 15 U.S.C. § 1692k(a)(2)(A):
“in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $1,000.”
