The Truth of Credit

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 [...]

One of the most frustrating parts of my job is the amount of lies that I’m told on a daily basis. While popular opinion is the debt collectors lie and break the law to get paid, if you only knew the caliber of some of the people on the other end of the phone you would [...]

One of the major complaints that debtors have about the collection process is the lack of privacy. I agree that the availability of your personal information to complete strangers is a less than preferred situation. Most of these accounts contain information including Social Security Numbers, Addresses, Mother’s maiden names, Spouses, and every address you have [...]