Cents Savvy LLC

Cents Savvy LLC Tiffany V., CPA I Debt Fixer
Debt collectors calling? I'll show you exactly what to say & do — for Only $7. Get The Kit Below👇🏾
https://linktr.ee/centssavvyllc

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

07/19/2026

Debt collector asks where you work to “verify your identity”—but what are they legally allowed to do with that information?

An employer question isn’t automatically an FDCPA violation. The legal issues are what the collector does next, whether the debt is disclosed to someone else, and whether your workplace is used as a contact point.

Under 15 U.S.C. § 1692b, a covered collector may contact a third party for limited location information, which can include a place of employment. During that contact, the collector generally may not reveal that you owe a debt. Regulation F, 12 C.F.R. § 1006.6(b)(3), also restricts workplace communication when the collector knows or has reason to know the employer prohibits it.

That distinction matters: knowing where you work is not permission to tell your employer why they’re looking for you.

The exact response is in the video.

I walk through exactly how to verify the caller, protect your privacy, and document workplace contact in my free live training. DM me or my team “TRAINING” for the details.

For practical tools, visit my profile for the Make Them Prove It™ Debt Collector Kit. It includes call scripts, debt-validation and cease-communication templates, a 5-day action plan, an FDCPA red-flag checklist, collector contact information, and additional resources.

07/18/2026

Debt collector says they bought your debt—does that prove they own the account and every dollar claimed?

A sale may change who is collecting, but it doesn’t remove the need for accurate validation information. Under Regulation F, 12 C.F.R. § 1006.34, a covered collector’s validation notice generally must identify the current creditor and itemize the balance, including interest, fees, payments, and credits from the itemization date.

Under 15 U.S.C. § 1692f(1), a collector generally may not collect interest, fees, or other charges unless the agreement authorizes them or the law permits them. A timely written dispute during the applicable validation period may also require collection of the disputed amount to pause until verification is sent under § 1692g(b).

One detail matters: federal validation law doesn’t automatically require a debt buyer to send an original signed contract or every assignment document during ordinary collection. Proof of ownership becomes especially important if a lawsuit is filed, and court requirements vary by state.

A balance is a claim. The records show what that claim is built on.

The exact response is in the video.

I walk through how to separate ownership, balance calculations, and added charges in my free live training. DM me or my team “TRAINING” for the details.

For practical scripts and organized templates, visit my profile for the Make Them Prove It™ Debt Collector Kit. It includes call scripts, debt-validation and cease-communication templates, a 5-day action plan, an FDCPA red-flag checklist, collector contact information, and additional resources.

07/18/2026

Debt collector says your debt was verified—does that mean the dispute is over?

“Verified” can refer to more than one process. Debt verification under the FDCPA is different from a credit-report reinvestigation under the FCRA.

When a consumer disputes information with a credit reporting company, 15 U.S.C. § 1681i generally requires a reasonable reinvestigation. After the results are issued, § 1681i(a)(6)(B)(iii) and (a)(7) allow the consumer to request a description of the procedure used, including identifying information for the furnisher that was contacted.

That right is directed to the credit reporting company—not automatically to whichever collector answers the phone. And a result marked “verified” doesn’t, by itself, explain whether every relevant document and detail was properly considered.

The exact response is in the video.

I walk through the difference between debt validation, credit-report disputes, furnishers, and method-of-verification requests in my free live training. DM me or my team “TRAINING” for the details.

For practical scripts and organized templates, visit my profile for the Make Them Prove It™ Debt Collector Kit. It includes call scripts, debt-validation and cease-communication templates, a 5-day action plan, an FDCPA red-flag checklist, collector contact information, and additional resources.

07/18/2026

Debt collector contacted your family—was the debt disclosed, or were they only asking for location information?

Under 15 U.S.C. § 1692b, a covered debt collector may contact another person to obtain limited location information, such as an address, phone number, or workplace. During that contact, the collector generally may not say that the consumer owes a debt and usually may not contact the same person more than once unless a statutory exception applies.

15 U.S.C. § 1692c(b) separately limits communications about a debt with unauthorized third parties. But the rule has exceptions, including certain communications with a spouse, the consumer’s attorney, someone authorized by the consumer, a court, and parties involved in lawful post-judgment remedies.

That’s why the first question isn’t simply, “Did they call my family?” It’s what they said, whom they contacted, why they called, and whether an exception applied.

The response is in the video.

I walk through exactly how to document the contact and evaluate the next step in my free live training. DM me or my team “TRAINING” for details.

For practical scripts and written templates, visit my profile for the Make Them Prove It™ Debt Collector Kit—with call scripts, validation and cease-communication templates, a 5-day action plan, an FDCPA red-flag checklist, collector contact information, and other organized resources.

07/17/2026

Debt collector asks for your bank information—should you provide it before the payment plan is in writing?

A payment plan can sound reasonable on the phone, but the method and authorization matter just as much as the monthly amount.

The CFPB advises consumers not to share sensitive financial information until they’ve verified the collector and the debt. It also recommends getting the repayment plan and the collector’s promises in writing before making a payment.

For recurring electronic withdrawals, Regulation E, 12 C.F.R. § 1005.10(b), generally requires a written or similarly authenticated authorization, and the person obtaining it must provide a copy to the consumer. That rule doesn’t make every phone payment unlawful, but it does show why the exact authorization and payment terms matter.

The exact response is in the video.

I walk through this step by step in my free live training, including what to verify before discussing a payment plan and what records to keep. DM me or my team “TRAINING” for the details.

For practical tools you can keep on hand, visit my profile for the Make Them Prove It™ Debt Collector Kit—with call scripts, letter templates, a 5-day action plan, an FDCPA red-flag checklist, and other organized resources.

07/17/2026

Debt collector asks you to confirm your address—should you answer before verifying who’s calling?

A collector may ask identity questions because federal law generally limits disclosureDebt collector asks you to confirm your address—but have you verified who’s actually calling?

That question can be legitimate. Debt collectors often verify identity because the FDCPA generally restricts them from discussing a debt with the wrong person. But legitimate purpose doesn’t mean you should automatically give personal information to an unverified caller.

The CFPB advises consumers to verify the collector and the debt before sharing personal or financial details. Under 15 U.S.C. § 1692g(a), a covered collector generally must provide validation information during the initial communication or within five days.

The part most people miss is that “confirm everything” and “refuse everything” are both oversimplified. The safer approach depends on what the caller can verify, what information they already have, and what you choose to document.

The exact response is in the video.

I walk through this step by step in my free live training, including what to verify and what not to volunteer. DM me or my team “TRAINING” for details.

For practical tools you can keep on hand, visit my profile for the Make Them Prove It™ Debt Collector Kit—with call scripts, letter templates, a 5-day action plan, an FDCPA red-flag checklist, and other resources organized in one place.

Educational information only; not legal or financial advice.

07/16/2026

Debt collector says they can garnish your wages and bank account—but does that mean both can happen immediately?

For most ordinary consumer debts, a creditor generally must first sue and obtain a court judgment before using post-judgment remedies such as wage garnishment or a bank levy. But the details matter: one judgment may support more than one collection method, while the procedures, notices, exemptions, and limits depend on state law and the type of debt.

Under 15 U.S.C. § 1692e(5), an FDCPA-covered collector cannot threaten action that cannot legally be taken or that is not intended. That does not make every mention of garnishment unlawful. The real question is whether a valid judgment exists and whether the threatened step is legally available.

A better response is: “Please provide the case number, judgment, and legal basis for the wage garnishment or bank levy you’re describing. I’m documenting this communication.”

I walk through exactly how this works in my free live training, including the difference between a threat, a lawsuit, a judgment, and post-judgment collection. DM me or my team “TRAINING” for the details, or book a consultation with us if your situation needs a closer look.

For practical tools, visit my profile for the Make Them Prove It™ Debt Collector Kit. It includes call scripts, letter templates, a 5-day action plan, an FDCPA red-flag checklist, collector contact information, and other resources organized in one place.

07/16/2026

Debt collector texted or emailed demanding immediate payment—what should you verify before responding?

A text or email can be a lawful collection communication, but it doesn’t erase your right to understand the claim. Under 15 U.S.C. § 1692g(b), a written dispute sent within the applicable 30-day validation period generally requires a covered collector to pause collection of the disputed debt until verification is mailed.

Electronic contact is a separate issue. Regulation F, 12 C.F.R. § 1006.6(e), requires a clear, simple way to opt out of future texts or emails. Once you opt out of that number or address, the collector generally may not keep using it, subject to limited legal exceptions.

That means “validate the debt” and “stop texting or emailing me” are not the same request. The wording and timing matter.

I walk through exactly how this works in my free live training, including the deadlines people often miss. DM me or my team “TRAINING” for the details, or book a consultation with us if your situation needs a closer look.

For practical tools, visit my profile for the Make Them Prove It™ Debt Collector Kit. It includes call scripts, debt-validation and cease-communication templates, a 5-day action plan, an FDCPA red-flag checklist, collector contact information, and other resources organized in one place.

07/15/2026

Debt collector says your debt is growing every day—but can they explain exactly what’s being added and why?

A balance can increase for legitimate reasons. Interest or other charges may continue to accrue depending on the agreement and applicable law.

But that doesn’t mean every added amount is automatically valid.

Under 15 U.S.C. § 1692f(1), an FDCPA-covered debt collector generally cannot collect interest, fees, charges, or other amounts unless they’re authorized by the agreement creating the debt or permitted by law.

And timing matters with validation. If you dispute a covered debt in writing within the applicable 30-day validation period, collection of the disputed debt generally must pause until verification is mailed. A request sent later does not automatically create the same pause.

The balance is one number. Understanding how they arrived at that number is another question entirely.

I walk through exactly how debt validation works in my free live training, including the timing rules and details people often miss. DM me or my team “TRAINING” if you’d like the information.

If you want practical tools you can reference yourself, visit my profile for the Make Them Prove It™ Debt Collector Kit. It includes call scripts, debt validation and cease-communication letter templates, a 5-day action plan, an FDCPA red-flag checklist, collector contact information, and additional resources—all organized in one place.

07/15/2026

Debt collector offers you a settlement over the phone—but what exactly are you agreeing to if you haven’t seen the final terms?

A lower number can sound good on a call. But before you pay, make sure you understand what the agreement actually says.

The CFPB recommends getting the settlement plan and the collector’s promises in writing before making a payment. Under 15 U.S.C. § 1692e, covered debt collectors also cannot use false, deceptive, or misleading representations.

The written terms should make clear what you’re paying, when payment is due, and what the payment is intended to resolve. If credit reporting is part of the discussion, get those terms documented too—but don’t assume a particular reporting outcome is automatically guaranteed.

The number they offer matters. The terms attached to that number matter too.

I walk through exactly how situations like this work in my free live training, including the details people often overlook before making a payment. DM me or my team “TRAINING” if you’d like the information.

If you want practical tools you can reference yourself, visit my profile for the Make Them Prove It™ Debt Collector Kit. It includes call scripts for common collection situations, letter templates, a 5-day action plan, an FDCPA red-flag checklist, collector contact information, and additional resources—all organized in one place.

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

Website

Alerts

Be the first to know and let us send you an email when Cents Savvy LLC posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share