I Could Never Be a Bill Collector!

I could never take a job as a bill collector. One of the many reasons is because I think they are scum of the earth and I think much more highly of myself than that. It's a dirty job and somebody has to do it but that somebody is not me.

Calling some random stranger up and asking them for money that they haven't bothered to pay back in years just seems counter-productive to me. I mean, in most cases whenever I've had a years long unpaid bill its generally because I have absolutely no plans to pay it.

80% of all debts incurred in America are never collected and that is a formula for a lot of cold nights and wondering where your next meal is going to come from. No thank you! I'd rather sell bean pies on the street rather than accept that job...not that there's anything wrong with selling bean pies on the street!

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Credit Rebuilding: No one said it would be easy!

Make no mistake about it...Restoring ones credit is easier said than done. When I first set out to repair my credit, I had a 2 year plan and had I been able to stick with it, I would have probably been successful; but unfortunately, that was not the case.

My plan was 3 tiered. First, I was going to let all negatives that were nearing the statute of limitations fall off when the time came. This required no work on my part. I'd just wait them out.

Second, I would send "pay for delete" letters to all of my collection and charged off accounts. Anyone who was willing to negotiate a settlement to my liking, I would negotiate. Anyone who wasn't was dead to me and moved to the bottom of the list.

Lastly, I'd continue to make timely payments on the accounts that were current and in good standing while simultaneously searching for new credit offers that through research I found would be easier to get approved for; only applying if I felt that I had a better than average chance for approval.

The plan was great in theory but the reality is that I never followed through with it. I allowed myself to become distracted with sports on television, stress at work and hanging out and having fun! The good news is that I was able to secure a few new credit accounts in the process but overall, I could have been more successful.

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Money Changes Everything

A couple of years ago I was going through a really hard time and dealing with all kinds of financial struggles. My car note was behind, insurance, cell phone, credit cards and numerous other bills were all at least a couple months past due and I was stressed to no end.

After several months of struggling, I came into a large and unexpected sum of money in the tune of just over 10K. Even though the money had not yet touched my hands, just knowing that it was sitting there and on the way to me changed my entire mood for the better.

Nothing else seemed to matter. Dealing with my girlfriend leaving me, no problem. Stress at work in a job I couldn't stand, no problem. Fake friends talking about me behind my back while simultaneously stabbing me in it, no problem.

Having money made all my struggles seem terribly insignificant the moment I knew that a large sum of money was headed my way. They say that money doesn't buy happiness but the people who say that never had any money, so what do they know?

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