The Truth of Credit

Are you scared to negotiate on your debts?One thing that I have learned during my time as a debt collector is that someone who knows the process can totally manipulate the situation. When it comes to credit card settlements you are in the “power position” when negotiating mainly because you are the one with the [...]

It has been a long while sense I have written about a “Day in the Life” of a Debt Collector. I’m kind of getting tired of writing about facts that most people really don’t care about or read for that matter. So I’m going to start writing about my days and if its boring to [...]

There is no law preventing a debt collection agency from requesting a post-dated check, however, a debt collection agency is prohibited from demanding you send a post-dated check in order to prevent criminal prosecution. So the big question that most people have is whether a debt collector can cash a post-dated check sooner than agreed? [...]

No, in case you’re wondering it’s not a goal to harass, embarrass or irritate your relatives. These goals are the foundation of all collection efforts. It is an impossible to collect if all 3 of these goals are not obtained. Today we will explore these goals and give you some insight into how these may [...]

When you read headlines such as, “Consumers increase borrowing in June”, do you feel guilt because you are included in that statement or do you judge those who spend so irresponsibly? The headline highlights thousands of people who have given up trying to save and are falling even further into debt as they use their [...]