Consumer Rights & Debt

We Bought Your Debt — You Must Pay Us Now

Q: The law prohibits any automatic charge without prior request, so you cannot charge me anything.

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Q: Since we purchased the debt, we step into the original creditor's shoes and can modify the contract terms.

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A debt purchasing company contacts you claiming to have bought your old debt and demanding immediate payment

Premium foundational 8 minutes

The Situation

What They Said

“We have purchased your debt from the original lender. You now owe us — and the terms may have changed.”

A company you have never dealt with contacts you claiming they have purchased your debt from the original creditor and that you must now pay them, sometimes implying the terms of the debt (interest rate, total amount) can be changed by the purchase.

The Fallacy

False Novation / Manufactured Obligation

The debt purchaser implies that the sale of your debt creates new obligations — including possibly new terms — that you must accept. In general legal principles, the sale of a debt (cession) does not change the terms of the original agreement. The new creditor steps into the shoes of the old one — they inherit exactly the same rights and no more. They cannot add interest, change the amount, or modify terms simply because the debt has been sold.

What the Law Says

Your Legal Foundation

Ley de Defensa del Consumidor

art. 35 de la Ley 24.240 — Consumer Debt Assignment

“It is prohibited to make an offer to the consumer, by any means, for a thing or service that has not been previously requested and that generates an automatic charge in any debit system, obliging the consumer to express a negative response for such charge not to be made effective.”

This situation involves a debt purchase, not an unsolicited product or service with automatic debit. The law prohibits unsolicited offers that create automatic charges, but it does not address debt assignment or changes in terms by the assignee. Therefore, the consumer may not rely on this article to dispute the debt assignment itself, but the assignee must comply with other consumer protection rules.

What Scripture Says

God's Word on This

Romans 13:8 (NET)

“Owe nothing to anyone, except to love one another, for the one who loves his neighbor has fulfilled the law.”

Scripture calls us to honour genuine obligations — but a genuine obligation is one that was lawfully created and has not been altered by a third party's commercial transaction. You are called to pay what you truly owe under the original agreement — not inflated amounts created by debt traders acting outside the law.

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You Know the Law — But Do You Know What to Say?

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What They'll Say Next

Common Counter-Arguments

After you respond, they may push back with these arguments. Members get the full rebuttal for each.

They might say: “The law prohibits any automatic charge without prior request, so you cannot charge me anything.”

🔒 Subscribe to see the full rebuttal and legal counter-argument.

They might say: “Since we purchased the debt, we step into the original creditor's shoes and can modify the contract terms.”

🔒 Subscribe to see the full rebuttal and legal counter-argument.

Know Your Rights. Know Your Word.

137 Argentine law and Scripture scenarios — exact rebuttals, constitutional law, and Scripture. Practise out loud with audio. Free to start.

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