That clickbait video about 'instant debt relief' nearly cost me $2,000 last month
I was scrolling YouTube last Tuesday and saw a thumbnail with a guy holding a giant check and the text 'Erase Your Debts Overnight - No Lawyer Needed.' The video had like 800k views, so I figured it was legit. The guy in the video claimed he used a 'secret loophole' in the Fair Debt Collection Practices Act to wipe out his $15k medical bills. He pushed this PDF guide for $47, saying it had all the forms and steps. I almost bought it, but then I paused and checked the comments - turns out half the people were saying they got sued anyway, and the other half were bots. I looked up the actual FTC guidelines, and there is no instant debt erasure. The video was just a front to sell a useless document and get people's credit card info. It reminds me of those 'get rich quick' thumbnails from 3 years ago that promised Bitcoin secrets. Has anyone else almost fallen for these fake legal solution ads on YouTube?