Answering Calls From Unknown Numbers

Whenever I think about whether I should answer a call from an unknown number that I know is most likely a bill collector, I just let it ring straight to voicemail! The reason I don’t answer is because I know that if I do, I will just end up being upset and there is really no good reason to put myself through that kind of stress.

I know that plenty people feel that this is bad advice and that you only make matters worse by not answering and dealing with the issue head on. Well, those people are idiots! Now, let me explain. I have no problem with people wanting to pay their bills, because you should. Just do it on your own terms.

If you know you don’t have enough money to pay the debt off in full or at least enough money to negotiate a reasonable pay for delete offer, it makes no sense to answer the phone and get verbally abused by some "jackass" on the other end of the line who probably owes more people than you do!

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Over the years, people have asked me how I came up with the idea for “Bill Collectors Hate Me”. The idea sprouted from numerous conversations with friends and family members about how I’d find myself in a bind and then somehow manipulate my finances in such a way that I could seemingly generate money out of nowhere.  Here’s a few examples:

I found a loophole that allowed me to access money from my 401K every few months in order to pay my $1200 rent or $600 car payment whenever I was running low on cash, which I never had to pay back. I learned how to get a full tank of gas for $1 so that I could commute back and forth to work. I’ve survived on $50 for two full weeks until my next payday more times than I can count on one hand.

When a bill collector sent me a summons in the mail, I didn’t panic. I did a little research, made a couple phone calls and prepared my answer to the summons. A few days later I was at the courthouse filing my paperwork, paid a filing fee and less than 30 days later, my case was dismissed. Some have said that I work more angles than a politician…I simply call it maximizing my resources.

I’ve have several walk on water experiences. So many, in fact, that some people have accused me of having a “God Complex”. Maybe those people are right. Or maybe I just think they are and I’m simply living out the fantasy of trying to be who they think I am. But I digress.

Because I was becoming more and more known for maneuvering in and out of financial situations with ease, friends suggested I write a book or create a website to share my story with others who could use my assistance. Some suggested that I become an accountant. I decided a blog was my best option.

Blogging would give me a platform in which I could share my years of experience in credit and finance as well as the dark world of collections. I realized that through a blog I’d be able to teach people how to combat renegade debt collectors who think they are above the law. “Bill Collectors Hate Me” was born. 

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