Debt Collector Ghosted Arbitration? Use Vicarious Liability to Win

Описание: What happens when a debt collector ghosts arbitration?
Most people think it’s a dead end. It’s not.

In this lesson, I’m breaking down how a no-show in arbitration actually creates leverage, and how to use vicarious liability to pull the original creditor back into the case.

This is not theory. This is strategy.

🔍 What you’ll learn in this video

1️⃣ Why a no-show is not a setback
When a collector disappears, that’s a red flag—not a loss. It tells you they may be avoiding exposure.

2️⃣ Vicarious liability
If a debt collector is acting as an agent, the original creditor can be held responsible for what that agent does—or fails to do.

Same principle as a business owner being responsible for their employee.

3️⃣ Assignment vs. sale (this matters)

Assigned debt → creditor is still on the hook

Sold debt → creditor should be gone, but sloppy reporting often keeps them involved

That inconsistency is leverage.

4️⃣ The paper trail is your weapon
You’ll learn exactly what to gather:

Original contract

Credit reports from Experian, TransUnion, and Equifax

All letters, emails, and call logs

5️⃣ Spotting contradictions
Example:

Original creditor reports $0 balance / sold

Collector reports full balance owed

That’s inaccurate reporting—and it triggers legal pressure.

6️⃣ The two-front attack

Front 1: FCRA disputes with the credit bureaus

Front 2: Arbitration or complaints naming both the collector and the original creditor under vicarious liability

7️⃣ Why persistence wins
This strategy works when you:

Track reports

Follow up relentlessly

Document every inconsistency

Pressure breaks resistance.

🎯 Mentee Action Steps

Pull all three credit reports

Identify contradictory reporting

Document the arbitration no-show

File disputes and name both parties

Keep records tight and organized

Disclaimer: This content is educational, not legal advice. Laws vary by state. Do your own due diligence and consult licensed counsel when appropriate.