Cents Savvy LLC

Cents Savvy LLC Cents Savvy is Michigan's Leading Credit Counseling and Financial Services Company.

CPA I Debt Fixer
I help people deal with debt collectors & rebuild their credit in as little as 90 days, the right way.
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https://linktr.ee/centssavvyllc It is a financial literacy company offering financial management, credit repair & counseling, tax preparation service & planning, small business accounting, and life/health insurance services. Cents Savvy is an online

tool for anyone who is interested in becoming savvy about their finances. Americans now more than ever are accumulating substantial personal debt, are living above their means, and are not properly preparing for their financial future. We see this in the extended period of time people are working past the "standard retirement age." Cents Savvy is a place for people to gain a basic understanding of personal finance concepts and to get tips to continue down a path of personal financial security.

06/26/2026

A debt collector texts you owing more than you actually remember — do you just trust the number? 👇

Nope. Here's why. The FDCPA gives you the right to make them itemize it (§ 1692g and Reg F § 1006.34) — the original amount plus every fee, interest charge, payment, and credit added since. Missing that itemization is one of the most commonly alleged violations out there.
And the fees themselves: under § 1692f(1), they can't pile on interest or charges unless the original agreement or the law allows it, and it's on them to prove each one. Inflating the balance can also be a § 1692e violation, because misrepresenting what you owe is super common. So the move isn't to argue the number — it's to make them show the legal authority for every charge they added. The exact words to text back are in the video. Save it.

I walk through what to send and how to make them itemize every charge, in a free live training 🔗 https://bit.ly/creditwebinarregister

06/25/2026

A debt collector offers you a monthly payment plan over the phone — is it safe to just say yes? 👇

Pump the brakes for a second. A verbal plan gives you nothing enforceable, and on older debt it can backfire. In most states, making a payment or admitting the debt is yours restarts the clock on how long they can sue you. The CFPB has even said most people don't realize that — they assume paying always helps, when it can actually wake up an old debt.
So agreeing on the phone and sending even a small first payment can revive a debt that was already too old to enforce. That's why "send me the full plan in writing and I'll respond in writing" matters — it gives you time to check if the debt is even still suable first.
And the fees: under FDCPA § 1692f(1), they can't pile on interest or charges unless the original agreement or law allows it, and it's on them to prove it. Get the numbers in writing and check. The exact words are in the video. Save it.

I walk through what to say and what to get in writing before you agree to any plan, in a free live training 🔗 https://bit.ly/creditwebinarregister

06/24/2026

A debt collector wants you to confirm your address and Social "to verify your account" — is that safe to do? 👇

Slow down before you answer. The FDCPA lets you make them prove the debt in writing first (§ 1692g), and once you dispute in writing within 30 days, they have to pause collection until they mail verification.
Here's the part people miss. You can't see who's actually calling, so confirming your SSN or address mainly helps them confirm they've got the right person — or helps a scammer pretending to be a collector. And on older debt, making a payment or admitting it's yours can restart the clock on how long they're allowed to sue you, depending on your state. Under Regulation F (12 CFR § 1006.26) they can't even sue or threaten to sue on a debt that's already time-barred — so an offhand "yeah that's me, I owe it" can hand that back.
The move that protects you: "Send it to me in writing." Calm, legal, and it covers you both ways. The exact words are in the video. Save it.

Me and my team are here to help — DM us or book a consultation 🔗 linktr.ee/centssavvyllc

06/24/2026

A credit bureau said your dispute was "verified" and nothing's changing — so is that the end of the road? 👇

Not necessarily. The FCRA doesn't allow a rubber stamp — they owe you a reasonable reinvestigation (§ 1681i(a)(1)). And here's the part barely anyone uses: § 1681i(a)(7) lets you ask the bureau to describe how they actually investigated, including the name and address of the furnisher they contacted. They've got 15 days to answer.

Why "verified" is often weaker than it sounds: tons of these disputes get processed by an automated system that shrinks your whole letter into a code. So "verified" can mean a real review barely happened. But the courts also care whether the error is something that can actually be verified — so the wording of your dispute is everything.
The exact response to send is in the video. Save it.

I walk through how to request the method of verification and build a dispute that holds up, in a free live training 🔗 https://bit.ly/creditwebinarregister

06/24/2026

A collector says they'll take half the balance if you pay today — sounds like a win, right? Here's why you don't say yes yet. 👇

A settlement is only as good as what's in writing. A verbal "we'll take half" is almost impossible to enforce — and if the deal doesn't say your payment is full and final satisfaction of the whole debt, the leftover can get sold to another collector who comes after you for the rest. That's literally how zombie debt happens.
Get it in writing that it settles the entire debt, the rest won't be resold, and exactly how it'll be reported to all three credit bureaus (the FCRA requires accurate reporting). One more thing people miss — in a lot of states, making a payment on an old debt can restart the clock on how long they can sue you. So the words matter, and putting them on paper before you pay matters more.

The exact words to say are in the video. Save it.
I walk through the whole thing, step by step — book a consultation with me or my team 🔗 linktr.ee/centssavvyllc
Educational info, not legal advice.

06/23/2026

A collector calls you again after you mailed a letter telling them to stop — can they even do that? 👇

Most of the time, no. Once you send a written request to stop contact, the FDCPA says they have to stop (§ 1692c(c)). Here's what trips people up: it only counts from the day they actually receive it — so a certified letter with a return receipt is your proof, and a regular email isn't. Regulation F made clear this covers calls, texts, and emails.
The one exception worth knowing so you don't jump the gun: they're allowed to contact you one last time to say they're stopping or to tell you about a specific legal step. Past that, a call after your documented letter can be a violation — up to $1,000 in statutory damages plus attorney's fees (§ 1692k).

The exact words to say on that call are in the video. Save it.

I walk through exactly how to do this, step by step, in a free live class 🔗 https://bit.ly/creditwebinarregister
Educational info, not legal advice.

06/23/2026

A debt collector texts you at 6 a.m. — is that actually allowed? 👇

Short answer: no. The FDCPA says collectors can't contact you at an inconvenient time — before 8 a.m. or after 9 p.m. — and Regulation F extended that same window to texts and emails, not just calls (§ 1692c(a)(1); 12 C.F.R. § 1006.6(b)(1)). So that early-morning or late-night collection text can be a real violation.

The catch most people miss: it's based on your local time zone, and some states are even stricter. If it happens, screenshot the message with the timestamp showing — that's your proof — and you can file a complaint with the CFPB.

Educational info, not legal advice.

If a collector has done this to you, book a consultation with me and my team and we'll go through your options: linktr.ee/centssavvyllc

06/22/2026

A collector says your wages get garnished today unless you pay — is that even legal? 👇

For private debt, usually not. Wage garnishment takes a court judgment first — a lawsuit they actually filed, served, and won. So "pay now or we garnish" with no case on record can be an FDCPA violation (15 U.S.C. § 1692e). The one question that calls the bluff: "What's the case number, and which court?" A real judgment is public record you can look up yourself.

The twist people miss in 2026: federal student loans, taxes, and child support can be garnished with no court order at all — the Department of Education restarted student-loan garnishment this year. So knowing which type of debt you're facing is everything.

Educational info, not legal advice.

I walk through exactly how to check for a judgment and what to say in a free live class: 🔗 https://bit.ly/creditwebinarregister

06/20/2026

Debt collector still calling after you told them to stop? Send this one letter first.

Saying "stop calling" out loud limits the phone, but the move with real legal weight is a written cease-communication notice under the FDCPA (§ 1692c(c)). Mail it certified with return receipt — that green card proves the exact date they received it, and after that, most contact they make can count as a separate violation.

Quick myth-check: it's not "$1,000 per call." Statutory damages are up to $1,000 per lawsuit, plus your actual damages and attorney's fees (§ 1692k). The real power is your paper trail — log every call and every date.

Educational info, not legal or financial advice.

If they won't quit after your cease letter, book a consultation and we'll go through your options: linktr.ee/centssavvyllc

06/19/2026

Can Debt Collectors Call Your Family About Your Debt?

Usually, no.

Under the FDCPA, debt collectors generally cannot discuss your debt with family members. They may contact someone only to locate you, but they can't reveal the debt, suggest it's a collection call, or use relatives to pressure you.

If a collector shared your debt with family, document the details and consider filing a complaint with the CFPB.

Educational information only. Not legal or financial advice.

If this happened to you, book a consultation to discuss your options:
📌 linktr.ee/centssavvyllc

Address

Canton, MI

Opening Hours

Monday 9:30am - 8pm
Tuesday 9:30am - 8pm
Wednesday 9:30am - 8pm
Thursday 9:30am - 8pm
Friday 9:30am - 8pm

Telephone

+17344152722

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