Credit Karma: Free Credit Reports

Credit Karma has just gotten better! Not only do they offer 100% free credit scores, but they now offer free credit reports. This is great news! Now you can log into your Credit Karma account at any time to review your most recent TransUnion and Equifax credit reports.

This is a fully detailed report that will give you enough information to see exactly where you stand at any time. This means no more waiting for your one free credit report that you’re entitled to each year. No more paying for additional credit reports at any other time beyond your free annual report.

I’ve been using Credit Karma for over 2 years and as good as it was before this month, it just got a whole lot better. I highly recommend Credit Karma for free credit scores and reports. Sign up requires no credit card information and just takes a few minutes. Sign up today!

You might also like: Credit Karma - Free Credit Monitoring

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The End of Payday Loans?

It’s no secret that some states have deemed payday loans to be illegal. Other states allow them but put a limit on how much you can borrow. California regulations for instance, only allow a person to borrow up to $300 maximum per payday. Other states have much higher limits.
It is my personal opinion that the days of payday loans are numbered. Just this past weekend, a friend of mine went to pay his loan off with the intention of borrowing the money right back. The employee didn’t tell him that they were discontinuing payday loans as of that very day until after he placed his loan payment in the employee's hands. Ouch!

Needless to say, he was really counting on that money to pay bills and other monthly expenses. The shock on his face when he found out that he wouldn’t be getting his cash back must have been priceless! He was informed by the employee that the company was losing way too much money due to borrowers refusing to pay back loans. Go figure… It’s a miracle they’ve been in business this long.

You might also like: The Payday Loan Honor System

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What is a Good Credit Score?

If you’re like most people, you have no idea what your current credit score is. You’re probably even more in the dark when it comes to knowing what’s considered by most lenders to be a good credit score. You’re not alone.

Credit scores can be very confusing and can range anywhere from 300 to 850. An average credit score depends on who you ask, but as a general rule, a score of 650 will get you in the average credit score range. 700 and above will get you approved just about anywhere and at a good interest rate.

My Shocking Credit Card Debt!

From all that I have written about credit and finance over the past year since starting my blog, you’d think that I was in debt up to my eyeballs and it certainly feels like it at times.

I’ve grown so accustomed to being in debt that even I assumed that my debt was much greater than it was until I decided to stop and take a look at just how much I owed in overall credit card debt. What I found was shocking to say the least.

To my surprise, I found that my total credit card debt only amounted to about $1,600.00. I could not believe it. I’d been in debt for so long that I never stopped to realize just how little cash I actually owed.

Sure, I have other expenses such as a school loan and tax debt but the school loan balance is less than $1,000.00 and in good standing and the taxes owed, currently, do not affect my credit score.

Even though my credit card balances are low, my cards are pretty much maxed out, which lowers my credit score due to charging over 30 percent of my overall available credit. If I pay my credit cards down to a zero balance, I’m pretty sure that my score will increase by at least 50 points!

A simple 50 point jump can be a great help when it comes time to finance that new car!

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New Beginnings

There comes a time in everyone’s life where a new beginning is needed. A time to take a step back, relax and gather ourselves before moving forward. The same applies when it comes to credit rebuilding.

As a general rule, credit rebuilding is a process. There’s no quick fix to getting back on track. Sure, there are reputable credit repair companies at your disposal but the repair process still takes a bit of time.

Your credit didn’t get damaged overnight, nor will it be repaired overnight. All you can do is be diligent in paying your bills on time and just let the process run its course.

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Bills or Beer Money?

Bills or beer money? Ahh… that is the question. Well for me, that’s a no-brainer. Beer wins every time, right? No, not really. What I mean is that anyone who knows me knows that I absolutely love my light beer! Just not enough to choose it over repaying my financial obligations.

As I’ve stated many times before, I give bill collectors a hard time for breaking credit collection laws all the time but I would never suggest a person not pay their bills. This blog is designed to help people navigate through the madness that is the debt collection industry.

I offer advice on how to handle illegal debt collection practices from the worst of the worst debt collectors. This includes teaching consumers how to stand up for themselves and to not be intimidated by insanely bogus threats of being arrested at your home or place of employment.

Whatever questions you may have relating to credit and collection I will most likely have an answer for, since I have seen and heard it all… but if you ask me if you should buy beer or pay your bills, I would highly recommend the latter. Just check in with me first before negotiating any payments.

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Dancing with the Devil

When you make a deal with a creditor, for all intents and purposes, you are making a deal with the devil… Figuratively speaking, of course. Purchases made on sheer impulse and without consideration or contemplation play right into the devil’s hands.

You see, that’s how the devil works. He draws you in by dangling material items before you and then tricks you into believing you can afford them when he knows good and damn well you can’t. You know it too but you convince yourself that you’ll find a way.

The next thing you know, you find yourself falling way behind on payments with the devil knocking on your door looking to cash in on the deal you made. He doesn’t care about your sick mother or that your car broke down on the way to work. He’s coming to collect and will do so by any means necessary.

You might also like: Even the devil can cite scripture for his purpose

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Don't Judge Me

I’m always reluctant to tell people that I’m the owner of a blog called “Bill Collectors Hate Me.” Not because I’m embarrassed or ashamed, but because the title alone makes them think that I don’t pay my bills which couldn’t be anything further from the truth.

Sure, I’ve had credit problems in the past but those days are long behind me. It’s because of my past that I’m able to bring you this great information from my own personal experiences. This blog is more about who I was, not who I am… and it’s of the utmost importance that people know that.

So contrary to popular belief, I do pay my bills. Furthermore, I can’t even tell you the last time I’ve been late on one. My credit is not great, but rather a work in progress that improves almost each and every month. It improves because I work very hard at it… and that’s what you must do!

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The Black Box

There are several moments in life where it would be nice to go back in time and see the mistakes we made as we were making them. This way, we could warn our closest friends and family members to prevent them from falling victim to the same pitfalls as we did.

Wouldn’t it be cool if all humans were equipped with a “black box” that could be viewed right after an emergency financial crisis such as when you were forced to file bankruptcy after years of overspending and bad decisions?

The black box could be retrieved from our brains via wireless connection similar to Bluetooth that could then be output to a laptop that would provide a chronological display of every poor credit decision you've ever made; right up until the financial crash point. Yea, that would be pretty cool.

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Bad Credit: Life's Dirty Little Secret

Bad credit is one of life’s dirty little secrets. For the most part, if a person has bad credit they will keep that information close to the vest...carrying it to their grave if they have to, in order to keep from sharing their poor decisions with even the closest of family and friends.

Contrary to popular belief, in today’s economy, you might be surprised to find out that the majority of your friends have bad credit too! A great many of them have filed bankruptcy at least once, all the while keeping this information under wraps.

Just like the proverbial elephant in the room, people make a conscious decision to ignore what is staring them right in the face. They're afraid that if they share their credit past with anyone, that they will be judged like some second class citizen so they continue to live the lie.

In all honesty, I get it. I used to be the same way until one day I woke up and decided to just let it all hang out. I decided to no longer keep my credit status a secret and I found out that by telling people of the mistakes I’ve made in the past, that it was therapeutic. I feel better now…and so will you!

You might also like: Credit Rehab: Beyond The Ivory Tower

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Just Pay Your Damn Bills!

I can’t tell you how many times I’ve been accused of teaching people how to “NOT” pay their bills. People read the title of my blog and automatically assume that I am on some kind of crazy, cult-like movement against debt collectors and everything they stand for.

They think I’m like the pied piper with thousands of followers just waiting on my every word as I lead them to the promised land of debt-free living by means of not paying back the people they owe. Hell, if I had that type of influence I certainly wouldn’t be wasting it on something as trivial as that!

On my Facebook page, you’ll find several comments like: “Just pay your damn bills!” These comments come without even reading my blog to find out what it’s about. I would never advise people to not pay their bills. I only suggest that when they do pay, they negotiate terms that favor themselves and not the debt collector.

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Pre-employment credit checks for debt collectors?

I have been dealing with bill collectors off and on since the early 1990s but it wasn’t until just recently that I became curious as to whether the bill collector harassing you on the other end of the phone has good credit themselves. Now that I think about it, it’s highly doubtful.

Imagine the hypocrisy and double standards involved, not to mention the audacity to call someone up and harass them for not paying their bills when the collectors themselves have just as bad, if not worse credit than the debtor they’re trying to collect from!

Instead of sitting in a cubicle spewing nonsense about being served between 3 - 5pm tomorrow at your home or place of employment, they should be worrying about paying their own damn bills and leave debt collection to people who actually have good credit. The system is clearly flawed.

I recently saw a show on Dateline where the shows investigative services discovered one collection agency, in particular, that was owned and operated by ex-cons. Yes, there are convicted felons working as debt collectors in this country! Although I suppose it’s totally possible, I don’t know of any felons with good credit and high moral standards.

There should be laws in place to prevent bill collectors from being hired for this type of employment without having first passed a pre-employment credit check themselves. It is utterly outrageous that this type of thing goes on all across America and someone needs to put a stop to it.

Okay… Now I’m done!

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Bill Collectors Call Me!!!

Bill Collectors Call Me (BCCM) is a rapidly growing database of unknown, unlisted phone numbers that is powered solely by the contributions of site visitors. Users simply add numbers that have been identified as debt collectors or telemarketers along with a brief description to identify the caller.

When other users get a call from an unknown number, they simply visit BCCM and enter the digits into the search bar. If another user has added the same number into the database, the number will appear highlighted in “orange” so that it can be easily identified by the searcher.

So the next time you get a call from a bill collector, be sure to add the caller's number and a brief description to the BCCM database. Knowing who the caller is won’t stop them from calling you every day, but at the very least it will give you the peace of mind of knowing who they are.

You might also like: When Bill Collectors Call Me...

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Thinking about Getting a Payday Loan?... Say Cheese!

If you’ve ever been in a situation where you needed a payday loan, then you may have noticed that “some” payday loan locations actually snap your picture with a webcam at some point during the application process just before handing over your cash.

Why do they take your picture? To scare you, that’s why. They try to make it look all official so that you will think twice before stiffing them on the money you borrowed. It’s just a scare tactic. Furthermore, it’s quite possible that they're not even really taking your picture, but just pretending to.

Either way, a real photo has about as much value as a pretend one, which is next to none. Now, I’m not suggesting in any way that you run out and get yourself a bunch of payday loans and not pay them back. I’m merely saying that the photo they take, whether real or pretend, means nothing.

Should circumstances arise and you find that you are unable to pay back your payday loan, just be aware that the law is not going to come knocking at your door to arrest you for “check and wire" fraud like the payday loan companies would like to have you believe.

Welching on a payday loan may be morally suspect, but it is not criminal. It is a civil matter. I’ve said this time and time again but it warrants repeating. The worse they can do is sue you and even that is very unlikely. How do I know? I have lots of experience and I’ve never seen the inside of a courtroom or jail cell yet!

Recommended Site: Bill Collectors Call Me !!!

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Beware of Second Chance Offers from Capital One!

Over the years I’ve probably had every poor credit, high-interest credit card that’s ever found its way into my mailbox. One such credit card is Capital One. To be fair, they also offer low-interest credit cards to people with good credit but I’ve never had one!

When I had my Capital One card back in the late 90's my interest rate was through the roof. Ultimately, I ended up defaulting on the card and my credit rating took a huge hit. Well, as it turns out, Capital One can be very forgiving when it comes to defaulted credit card debt. Should your credit rating improve over time, Capital One may even offer you a new pre-approved credit card… but BEWARE!

What they don’t tell you is that should you accept their new offer for credit, they will add your previously defaulted Capital One balance to your brand new account! Yes, it’s sneaky but it’s also a very smart business model.

So basically, they’re willing to grant you a new line of credit but you’ll be forced to pay off the old debt should you decide to accept their latest offer. Now, that's not a bad thing if your previous balance was minimal, but if you owed a significant amount, you might want to consider passing on their offer.

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Who the Hell Keeps Calling Me?

When my phone rings I already know it’s some payday loan company looking for money. When I initially got the loans, I had every intention of paying them back but when things got tight I was forced to make sacrifices and the loans were the first to go… and that’s when the calls started.

In the beginning, I used to answer the phone just to tell them that I didn't have the money to pay right now but if things got better for me financially, then I would. All that did was start a round of suggestions of how they thought I could pay them back when I had just told them that I couldn't pay a dime right now.

Then it hit me. Why not ignore the calls altogether and just go about my business? The plan sounded simple enough so that’s what I started doing and before I knew it, the calls slowed down to the point where my phone barely rang at all.

You see, every time you talk to them you’re just confirming that you’re still breathing and your contact information is correct. When you don’t respond, they don't know what to think, but every now and then I get curious and want to know who the hell keeps calling me! That’s when I came up with the idea for my sister blog entitled: Bill Collectors Call Me!!!

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Bill Collectors Friends and Family Plan

When it comes to collections, bill collectors believe in equal opportunity harassment. If you stop answering your phones, they don’t care... they’ll just call your family and friends. When that doesn't work, they’ll call your job. They'll do whatever it takes to get you to call them back.

Typically, information is gathered from loan applications where you’ve listed friends and family members as references. As for myself, I only list friends that are going through their own financial turmoil so I never have to worry about debt collectors calling them looking for me because they don’t answer their phones either. It just works out.

Having bad credit is nothing to be ashamed of. There are countless others who've used poor judgment and made bad financial decisions. Bad credit is not a death sentence. With the right amount of focus and commitment, anyone can improve their current credit and financial status in just a few months.

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Payday Loan Collection Letter

LOAN INFORMATION               
DUE AMOUNT- $952.53

This is to inform you that you are going to be legally prosecuted in the Court House within a couple of days. Your SSN is put on hold by the US Federal Government, so before the case is filed we would like to notify you about this matter.

It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with Payday Services. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter.



Now this means a few things for you. If you are under any state probation or payroll we need you to inform your manager/Concerned HR department about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name.

If we do not hear from you within 48 hours of the date of this letter, we will be compelled to seek legal representation from our company attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.


And once you are found guilty into the courthouse, then you have to bear the entire cost for this lawsuit which totals to $4362.26, excluding loan amount, attorney's fee & the interest charges. You have the right to hire an attorney. If you don't have / can't afford one, then the court will appoint one for you.

We believe that this was not your intent and that these steps are unnecessary. We merely require you to contact us through Email between 9:30 am to 6:30 pm (EST).





Sr. Investigation Officer (Department-Law and Enforcement), XXX Incorporation


Bill Collectors Hate Me says: This collection letter is so ridiculous that it’s funny. Never mind the fact that it was delivered by email, this letter breaks just about every debt collection law known to mankind. I published this letter because I wanted to expose the type of nonsense that some collection agencies use in an attempt to scare people into paying back a debt. I would strongly advise anyone who receives such a letter to promptly toss it in the trash. I am seriously considering suing this company for the maximum amount allowed by law which is $1000 per violation.

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Collections Most Wanted

Picture this: A group of collection agents sitting in a boardroom dressed in business casual attire staring up at the collections manager standing next to a huge whiteboard. With dry erase marker in hand, he goes over a list of "Collections Most Wanted." It’s like "draft day" for bill collectors.

Every collection agency has a list of “Untouchables.”An elite group of America's most notorious debtors. They're next to impossible to engage in conversation, let alone convince them to pay!

These are not your ordinary debtors. They are trained professionals. Self-taught from years of experience in the art of "Debt Dodging": (A form of collection counterintelligence.)

Anything a collection agent throws at them, they have an answer for. Ordinary collection tactics have no effect on them because they are immune to fear and intimidation.

Threats of lawsuits go mostly ignored. They’ve seen it all. Most have been sued at least once, so a summons means absolutely nothing to them. They’ve trained their whole lives for this.

Robo-calls, phone number spoofing…you name it, they have a counter attack already in place. They’ve spent most their lives learning how to stay “off the grid” and remain invisible.

They are Collections Most Wanted. Ghosts, if you will. Are you on their list?

You might also like: Bill Collectors: Hitmen for Hire!

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Pay For Delete (PFD) - Simple Debt Negotiation

The “Pay for Delete” (PFD) is not the only way to negotiate debt, but it should be. The PFD is a letter that is drawn up by the debtor to initiate settlement negotiation on a past due debt. The key phrase here is “drawn up by the debtor.”

The reason why this phrase is so critical is that as a debtor, your #1 goal is to be the negotiator of your own terms. The PFD letter allows you to negotiate repayment of your debt on your terms and not the bill collectors.

It is important to remember that you have what they want, and that’s money. That’s what it all comes down to. Debt collectors just want to be paid, and it is up to you to convince them that your offer of payment is better than no payment at all.

In creating the PFD letter, the goal is to offer to settle your debt on a lesser amount than the collection letters demand for payment. In exchange for your payment, the collection agent will agree in writing to remove all derogatory reporting of the debt from the 3 major credit bureaus.

Some collection agents will tell you that they cannot do this or that it is against company policy. They are lying. They can negotiate any debt that they choose to, they just want to keep the odds in their favor because they get paid on commission. The more they collect from the debtor, the more money they make.

How much should you offer?

Collection agents usually purchase old debts for pennies on the dollar, so any payment made is a major bonanza for them. Often times at over 1000% profit. Keeping this in mind, I suggest offering no more than 33% of the debt since most of it is overinflated interest and late penalties and is far more than your original debt. The maximum I would offer to pay is 50% on debts over $1000.

In the case of small debts around $100 or so, it is okay to offer to pay the entire balance in full, but ONLY in exchange for them agreeing to remove the negative reporting from your credit report. DO NOT send payment until you have received this agreement in writing!

When sending payment, be sure to send it via cashier’s check or money order. Never pay with a personal check or credit card as they can use this information to withdraw more money from your account than what was agreed upon. It is much better to be safe than sorry!

Be sure to always send your PFD letters from the post office via certified mail, return receipt requested. This typically costs just over $6 per letter. By doing this, you will have verification of delivery as well as confirmation of who signed for it.

Due to great demand, my highly successful PFD LETTER is now available to the public!
Simply make your request in the comments section below and receive an exact copy of the PFD letter that I have successfully used in the past to negotiate several outstanding debts. Follow-up advice, if needed, is included with your request.

**Although this PFD Letter has been mostly successful in my experience, your results may vary.

You might also like: Good Bill Collector, Bad Bill Collector!

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Cast Your Vote In Our Poll

I created this blog almost a year ago and I couldn’t be happier with the direction that it is currently moving in. It was derived out of a love for writing, combined with personal knowledge of credit and finance.

Everything that I blog about comes from personal experience and is taken right off the top of my head with next to zero research needed because the experiences that I write about are all my own.

I work very hard to bring my readers topics that anyone in financial crisis might find useful. I encourage comments and feedback on all that I blog, but to date, the comments have been very few with the exception of just a few posts.

In an attempt to gain more feedback and a greater feel for what my readers think of my blog as a whole, I have added a poll as the latest upgrade to the site to help gauge the temperature of my readers and to assist me in the overall direction of my blog.

Comments are great and will always be welcome but your participation in the current, as well as future polls, would go a long way towards helping me bring you the most useful and up to date information going forward.

Whether you’re a returning visitor or brand new to my blog, please take a moment to read a few posts and leave me your honest feedback. Blog ratings are based on a scale of 1 to 5 stars, with 5 being the best and 1 being the worst.

Thank you in advance for your time and participation!

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Top 10 Most Viewed

In case you haven’t noticed, I’ve recently added a “Top 10” list to my blog as I was curious to find out if the list was random or if it was a true metric of how many times each post was actually viewed.

Initially, I was skeptical as to how accurate the list would be until I checked my internal blog settings and verified that the list did, in fact, show the “most viewed” posts from day one of the blog's inception.

To my surprise, some of my better articles did not make the list but from watching it carefully over the last couple of days, I did notice that the #10 item on the list was recently replaced by another post, which means that post positions are being calculated and updated on a continuous basis.

Further examination of my blog stats indicates that the top 10 posts are getting way more views than they normally would if not for appearing on the list. Typically, they’d be hidden in the blog’s archives until stumbled upon or discovered during a random search.

I also noted that the #1 post has about 600 more views than the post currently residing in the #2 position, which is the largest gap by comparison to the remaining 8 posts on the list.

This metric tells me that it will take an awful lot of work to bump the #1 article completely off the list, so stay tuned and check back often... I’ve got some serious work ahead of me!

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Secured Credit Cards

We’ve all been there. Good intentions + bad circumstances = bad credit! The next thing you know, you find yourself in need of credit but no one is willing to grant you any. It is quite a conundrum.

How do you combat this? With secured credit cards, that’s how. Yes, no matter how bad your credit rating is today, chances are, you will qualify for a secured credit card.

A secured credit card is funded and secured by your own money. You are required to deposit money into a savings account that is held as security to back up any purchases you make to minimize a financial institution's losses in the event that you default on your obligation to pay back the debt.

Several banks and financial institutions offer secured credit cards with varying terms and interest rates. In the future, I will profile some of the best-secured credit cards available.

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Don't Sweat the Small Stuff!

Far too often we focus on the little things in life and ignore the much bigger picture. By this, I mean that we put way too much emphasis on small things like bill collectors ringing your phone and harassing your family when you're not home.

The reality is that if you’re not about to get evicted from your home or your car isn’t on the verge of repossession, then it’s "ALL" small stuff. Save the stress for issues that matter. Don’t waste it on little things. Those little things are quick to blow over no matter how terrible they may seem today.

We have bigger things to worry about, such as our health and the health of our loved ones. Cancer runs on my dad’s side of the family and we’ve lost a few family members to the disease. Armed with the knowledge of our family history I try to exercise and eat right but all in all it’s still a crap shoot, so don’t sweat the small stuff… Just live!

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Keeping up with the Joneses

In today’s society, we have a “keeping up with the Joneses” mentality. Everything you have, your neighbor wants and everything your neighbor has, you find yourself wanting a piece of it too… and it’s the same when it comes to credit.

I have tons of friends who have better credit than I do and that’s fine. The way I see it, it is what it is. I keep no secrets about my credit rating. For all intents and purposes, it sucks, but it’s a process and I’m working on it.

Sure, you can focus on the haves and the have-nots, but I choose to focus on where I’m at right now and right now, I’ve got some work to do! All I can do is concentrate on rebuilding my credit one step at a time. Keeping up with the Joneses will only result in you being as broke as they are!

“Your time is limited, so don’t waste it living someone else´s life.” - Steve Jobs

Defaulted Payday Loans Do Not Report To Credit Bureaus

It may come as a surprise that defaulted payday loans almost never report to credit bureaus. I’m not sure as to their reasons for not reporting, I just know that as a general rule, they do not. Obviously, I would not make this claim unless I’ve had some personal experience to rely upon.

Over the years, I have defaulted on more than a few payday loans and to date, only one (1) has ever shown up on a credit report. The kicker is that the one that did show up on my credit reports was not even licensed to grant payday loans in my state. They had some nerve!

Obviously, being armed with this knowledge, the thought of ever paying them back never crossed my mind. I mean, just what are they going to do, sue me? Yeah, good luck with that!

This is why I always tell people that knowledge is king. If you do your research and arm yourself with the right information, then you cannot be taken advantage of by unscrupulous bill collectors.

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GC Services Limited Partnership and Sprint

Sprint has several levels of collections, including internal and external. GC Services Limited Partnership (GCSLP) is an example of one of Sprints external collection agencies, but debtor beware! GCSLP’s collection letter reads like this:

By this time, you must realize that you are delinquent. You may be eligible to participate in a special program to have service reinstated and retain your SPRINT phone number and rate plan. If you are interested in reinstating service with SPRINT, please call us at 866-801-2459.

It sounds like a great offer, right? Well, that’s what I thought too, so I called them up about a past due balance of $403.69 and they informed me that they have a “special” program that would enable me to pay just $303.69 to have my Sprint phone service restored within 72 hours of payment. Sounds great! So far, so good!

I informed the agent that I didn’t have the cash at the moment but that I would call back the next day so that I could get this past due bill taken care of. The next day comes around and I call them back to say that I have the money and am ready to pay the agreed upon balance of $303.69.

Well, that’s when the old bait and switch came in.

The collection agent that I spoke to tells me that she can restore service within 72 hours if I make a payment of $323.69. Now, wait a minute! That is $20.00 more than the $303.69 that I was quoted just one day before, so naturally, I ask “What’s the deal?”

The agent’s response is that she made a mistake in the original quote and that she should have quoted me $20 more. Being the type of person that I am, I told her that if she made the mistake, she should stand by it and honor her initial quote. Well, she refused.

I then told her that I was very disappointed and was tempted to just call Sprint directly and pay the entire $403.69 out of spite and that’s exactly what I did! I know what you’re thinking…why wouldn’t I just pay the extra $20 rather than pay an extra $100, right?

Well, it’s because sometimes principle is more important than money.

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Statute of Limitations for Debt Collection

Statute of Limitations (SOL): A type of federal or state law that restricts the time within which legal proceedings may be brought.

In English, this means the period of time in which a creditor may legally sue you. This covers all kinds of debts including credit cards, oral and written contracts, as well as promissory notes. Additionally, the SOL varies from state to state.

Typically, a creditor will make attempts to contact you via phone, email or postal service until they can convince you to pay. Suing you is generally a last resort... and even if they do, sometimes it's just a scare tactic and the case will later be dismissed due to having no legal right to sue, as in the case of an expired SOL.

However, keep in mind that if a creditor has been unsuccessful in getting you to pay for several years and is nearing the end of the SOL, there are certain instances where the SOL can be reset.  One such instance is if the creditor can talk you into making at least one payment.

It is important to note that the SOL does not start until the day after the last payment was made before the account went into default. A single payment can take a past due account that was nearing the SOL and give the creditor brand new life. This process is often referred to as “resetting the clock”.

Resetting the clock starts the SOL all over again and gives the creditor a brand new time frame in which to sue you, should they choose to go that route. An expired SOL does not restrict the creditor from attempting to collect the debt. It only stops them from winning a judgment against you.

To find a list of the statute of limitations for all 50 states, click here.

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The History of Credit Repair

In the past, up until about 1992, having negative items removed from your credit report was as simple as requesting a copy of the report, circling the item you wanted to be removed and then writing “This is not mine” next to it and about 30 days later the credit bureau would notify you via mail that the disputed item had been deleted. It didn't matter if the item really belonged to you or not.

Back then, if one credit bureau removed an item from your credit report, they would automatically notify the other two bureaus and they'd just follow suit and remove the derogatory items from their listings as well, without even bothering to launch their own investigation into the matter. Those were the good old days!

Today, however, having a negative item removed from your credit report can be a very daunting task. It doesn’t matter if the credit report entry is inaccurate or doesn't legally belong to you. Getting it removed can be a nightmare. That’s why I highly recommend “The Credit People”. They will remove negative items from the 3 major credit bureaus for one of the lowest prices in the industry!

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Even the devil can cite scripture for his purpose

Not very long ago I gave my life to God. The only reason I mention God is because just like the laws of physics, every action has an equal or opposite reaction. When we speak of God, we will ultimately reference the devil, just as worshipers of the devil will eventually reference God or else they could never get their point across.

To put it bluntly, a debt collector can never be trusted. They will tell you anything and everything that you want to hear in order to trick you into letting your guard down, much in the same way that the devil works. Before you know it, you will have hell to pay.

My point is this: Never take a debt collector for his or her word because nine times out of ten, they are lying to you. Chances are, they will ask you to give them information from one of your personal checks so that they can process the amount owed via electronic funds transfer (EFT). They will then proceed to charge you way more than what you initially agreed upon.

Once they have your checking account and routing numbers, they can easily clean out your bank account. Remember, they get paid on commission. The more they collect from you, the more money they make. Your personal hardships are not their concern. It’s not personal. It’s just business.

When it’s all said and done, if you don’t have it in writing, then the conversation never took place. Don’t ever trust them or you’ll find yourself shuffling around town trying to scrape up enough money to pay your rent, mortgage or car payment.

Whenever you pay a debt collector, never give them personal check information over the phone. Always pay them with a cashier’s check or money order for protection against them draining your bank account and leaving you with nothing.

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Bill Collectors: Hitmen for Hire!

Forget every positive thing that you may have heard about bill collectors. I realize that this is somewhat of an oxymoron because there’s simply not enough positive information that can be said about them. Let’s be frank. For the most part, bill collectors have been the scum of the Earth for as long as I can remember, if not longer!

Bill collectors are hired guns for the collection agencies that employ them. Just like in the old west, they will have no pity on you just because you have no ability to pay. It’s strictly business. If the original creditor is unable to collect on the debt, they simply employ an assassin for hire who will use any means necessary to collect the balance due.

These assassins are incapable of feeling because they have no souls. They don’t care if your car note is due or your kids don’t eat. Their only purpose is to make your life a living hell until you pay what you owe. If you happen to lose your living spaces along the way… oh well. You should have taken on a part-time job!

For people who thought that hitmen only exist in TV shows like “The Sopranos,“ I am here to tell you that they are as real as the air you breathe. They are modern-day assassins who will carry out their assignments by any means necessary. If you want sympathy you better call your mother because these assassins don’t know the meaning of mercy. They won't stop until they get what they came for!

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People Don't Choose To Be Deadbeats!

Contrary to popular belief, most people don’t choose to be deadbeats. They don’t suddenly wake up one morning and decide they’re going to just stop paying their monthly bills. Most times it's due to loss of employment or any number of reasons beyond their control.

But here’s the thing. Bill collectors don’t want to hear that. They have heard every excuse known to mankind a dozen times over. Whether true or untrue, they're not buying it. From day one of orientation, they are trained to believe that all debtors are liars no matter what they say.

Your excuse for not paying may be true in your world, but to them, it's just another lie. You can’t get caught up in what they believe is true or untrue. All you can do is the best you can with what you’ve got. What they think of you does not change the facts. Either you have the ability to pay, or you don’t.

Never let a bill collector dictate what you can or cannot pay. They are not the boss of you. If anyone knows what you can afford to pay, it’s you. They can tell you that they know how much money you make but it doesn't matter. Either you have the ability to pay, or you don’t...It's that simple.

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Bill Collectors Hate Me: The Beginning

Over the years I have had more than my fair share of credit problems. I've been bombarded with calls from collection agencies to my home, my job, friends’ homes, and even my parents, trying to track me down for some unknown debt.

Calls from bill collectors, or who I refer to as "The BC's," can be very stressful and often times intimidating. They have been trained to talk to you in a way that comes off as very authoritative and they make you feel as if you are a child being scolded by one of your parents for not finishing your chores right after school.

They make you feel hopeless and helpless while laying a guilt trip on you that's so thick you could choke on it. You find yourself stressed out all day and unable to sleep at night, trying to figure out how you're going to pay your everyday living expenses along with those delinquent debts that have been looming over you like the grim reaper by a death bed.

I've seen it all, heard it all and lived it all. It can be pretty scary, to say the least, but guess what? I survived. Not only did I survive but I learned a few things along the way and took the power of fear and intimidation away from the BC's and empowered myself... and that's what you must do.

Knowledge is power. When you possess the knowledge and learn what the BC's can and cannot do, then the fear and power they hold over you disappear. Fear is derived from the unknown. You don't really know if they're going to do what they threaten, so fear sets in.

That's where I come in. My job is to put your mind at ease. I wanted to use my years of knowledge and experience with bill collectors in order to help others who are currently dealing with debt collector harassment.

I created this blog to help those who now stand where I have been. I consider myself to be a "Subject Matter Expert" (SME). When I help you, it helps me as well because I am able to keep my knowledge on the subject matter fresh and up to date. I am always available to answer any questions you may have about credit and debt. Just leave a comment and I will generally respond the same day.

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