The Scenario Who is John & Mary Smith and why do people keep calling me for them. My phone is bombarded by their calls day and night. Sometimes the caller is polite but most often they are quite rude. No, I do not know them or how to get a hold of them. I Read More
Collectors Calling Work, Relatives, Friends
The answer to your question about whether collectors can call you at work, your relatives, friends, or neighbors is a very simple yes. HOWEVER, this does not mean they have carte blanche in ignoring the FDCPA calling rules. Some Obvious Things Collectors Can’t Do Harassment of any kind Repeated calls Swearing at you or others Read More
Debt Consolidation Or Debt Settlement Companies
I will say right off the bat that I do not like either of these options. Working with debt consolidation and debt settlement companies is not as cut and dry as they make it seem. The main reason is that most of these companies will charge you a fee that further adds to your debt. Read More
Victim Of Identity Theft & Fraud
The calls have been steadily rising regarding phantom accounts. It was extremely confusing because the callers had all of your information and you had no idea what they were talking about. To top it all off, the conviction with which the callers insist you are the debtor is making you nervous. It is slowly dawning Read More
Too Much Interest Or Completely Wrong Amount
The Wrong Amount The wrong amount being collected is one of the most common issues that we come across. It is either the debtor forgot or the collection agency added a touch too much interest and fees. Either way you want to be sure before you start paying a single penny towards hundreds or even Read More
Refusal To Verify Debt
ACT I The phone rings while you are watching your favorite tv show after a long hard day at work. You: Hello Collector: Is this so and so? You: Yes it is, how can I help you? Collector: I am from XYZ company calling about a very important legal matter. I first need to verify Read More
Secrets From A Former Collection Agency Owner
Debt is all around us and growing larger every day. From simple credit cards to college, car, and home loans. This causes many of us to sometimes feel like we are stuck in the middle of the ocean, helplessly drowning in this debt. Fret not, because I am a former collection agency owner and been in the industry for over 10 years and am here to help you. This site is my attempt to correct many of the wrongs which I encountered on a daily basis that still continue to this day. As you browse this site, you will see all the free information and tools which allow you to stand up to the bullies and break the endless cycle of debt.
First off, debt is big money. Millions of dollars in debt changes hands every day and trillions every year. From relatively small amounts under $100 to $1000’s all the way to billions like Greece and Puerto Rico. In all of these instances including the countries that default on debt, the results are the same. Regular people at the bottom of the food chain end up paying over and over again.
It is because of average hard working people who keep getting screwed over and over again that I created this site. My goals are to people by informing them of their rights and the best way they can settle their outstanding commitments. I want to help you figure out what is true and what is false when dealing with your debt. This is not a site to help you dodge legitimate obligations and debts because I truly believe you have to pay back what you have borrowed. However, I am absolutely against your harassment, manipulation, and fleecing. A $100 debt should not turn into a $1000 debt. You should not have to pay without validation/proof of debt. You should get proof of payment and verification upon payment.
- Original Lenders
- Brokers of debt (middlemen)
- Debt buyers (companies and investment funds)
- Collection agencies
- Credit reporting agencies
- The Government
- Lawyers (especially the one supposedly working for YOU)
- FEW INFORMED DEBTORS (less than 1%)
- Most uninformed debtors – YOU
- Taxpayers (almost same #1) – YOU
- Consumers (almost same as #1) – YOU
Notice anything about the lists above? Let me spell it out for you if it isn’t crystal clear. THE BIGGEST LOSER is you my friend. If you want to change this narrative then you must inform and educate yourself. The first step is reading the articles on my site. Please send me your questions and comments and I will try to help you as best as I can.
Threatening Phone Calls
If you are getting threatening phone calls, chances are you are dealing with the bottom 1% of collection agencies. Because of these rogue agencies who feel like they can do whatever they want, the situation requires immediate action. The following is some clarification on what are threatening debt collection calls and what are acceptable. Threatening Read More
Who’s worse, lawyers or debt collectors?
A collection agency calls you and in one way or another make you mad. You owe the debt but you can’t pay or don’t want to. So what do you do? You go on the internet to whine and complain with all the other people who don’t want to pay. However in your research you Read More
Top Internet & Phone Scams
IRS Debt Collection – These guys call and often scare the living daylights out of you. Sometimes they say they are getting ready to throw you in jail. The sheriff will be coming to your door to take you to jail. They will say all kinds of crazy things. The fake IRS people have Read More