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 [...]

If you find yourself in way over your head in debt and want to start on the the path to recovery you need to prioritize. No two situations are ever the same so take this advice only as a guide and customize to your situation. There are different kinds of debt and you should prioritize in [...]

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? [...]

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 [...]

Sometimes I wish I had ten cents for every time a debtor told me “You cannot get blood from a rock”. Well here is an example of how it can be done.
Bank accounts can be garnished and, when they are, it is almost always a surprise to the debtor. What typically happens is creditors obtain [...]