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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