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This TikTok Advice Will Actually Make You Broke

2025/7/4

George Kamel

AI Deep Dive AI Chapters Transcript

People

Alex

通过在《Mac Geek Gab》播客中分享有用的技术提示，特别是关于Apple产品的版本控制。

George Kamel

从负净值到百万富翁的个人财务专家，通过播客和书籍帮助人们管理财务。

James Chang

Jim Rohn

Robert

TikTok User

Topics

James Chang: 我认为不应该向收债公司支付任何费用。我的理由是，当你欠款公司（比如美国运通）的钱，而他们将你的债务卖给收债公司后，这笔债务就不再属于原公司，而是属于收债公司了。既然债务已经不属于原来的公司，那我为什么要支付给收债公司呢？而且，我认为消费者受到《公平债务催收行为法》的保护，所以不必害怕收债公司的威胁。 George Kamel: 我不同意TikTok上的这种说法。即使你的债务被出售给了收债公司，你仍然有法律义务偿还这笔债务。收债公司购买了追讨你债务的权利，他们有权要求你支付。当然，他们需要提供债务的实际文件，包括金额和账号等信息。所以，最好的做法不是逃避收债公司，而是与他们协商还款，如果你有能力支付，就应该偿还债务。偿还后，务必以书面形式确认已全额支付，并且不要授权他们直接从你的银行账户扣款。

Deep Dive

Chapters

This chapter explores the common misconception surrounding debt collection. It clarifies that when debt is sold to a collection agency, the original creditor is no longer the debt owner, and the advice given on TikTok to not pay them is misleading. The speaker emphasizes the importance of negotiating with debt collectors and paying off debts legally.

Debt collectors buy the right to collect debt, not the debt itself.
It's crucial to negotiate with debt collectors and pay off debts legally.
Avoid ignoring debt collectors; negotiate payment plans in writing.

Shownotes Transcript

Let’s be honest, just because it’s on the Internet doesn’t mean it’s real. In this episode, I react to even more viral money advice on TikTok so you know what’s really worth believing.

Next Steps:

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