A Debtor.  That is what debt collectors call you.  Debt collectors across the country call you a debtor with emotion in their voice.  Despite having any superiority to you they demand that you refer to them as either Mr. or Mrs X.  They will tell you that they want to work with you to resolve your debts; they are lying.  They will tell you that they understand your situation; they don’t.

How do I know?  I used to be a debt collector and I sat next to the same ones that are calling you now.

A Liar.  That is what debt collectors’ attorneys call you when they speak to me.  They instantly assume that you overextended yourself on purpose and that you somehow enjoy getting calls from unidentified numbers and having your voicemail box clogged with rude messages.  They claim that you planned to borrow money without the intention to pay it back and therefore you are dishonest.

How do I know?  I speak to their lawyers daily who defend their disgusting behavior while calling you names.

Fear.  That is how debt collectors get paid quicker.  They threaten you into making payments when they know you can’t afford them and they care less if their actions cause you to be homeless.  In fact, they encourage you to pay your credit cards before you pay your mortgage.  They know what buzz words to use and know exactly how to use those words as a weapon to coerce you into action that isn’t in your best interest.  They have “talk offs” – basically rebuttals rehearsed for every legitimate reason you have why your money went towards a more urgent expense rather than the bill they are calling you about.   For every legitimate reason you have these monsters have rehearsed the tone, content and delivery of their response.

How do I know?  I have helped tens of thousands of consumers across the United States fight back against illegal debt collection.  I could spend hours telling you repulsive stories about illegal debt collection activities but I won’t.  The fact that you found me likely indicates you have one to tell me.

Although I’ve heard thousands before, your story won’t become a number to me.  Yes, I’ve helped thousands of consumers fight back against collection agencies, but I will always remember your name.  I know how to stop debt collectors from harassing you because I used to be one.  Now, there is nothing I enjoy more than defending the little guy against these bottom-feeding creatures.

You’re probably wondering how a former debt collector who became a debt collection attorney is now one of the most recognized consumer advocates in the Country.  Well, that’s a longer story than we have time for here.  However, to make a long story short, one day in 2007, I realized that I hadn’t paid $100,000 for law school to wake up simply to go to work to make other people’s days worse.  The story of my exit that I often tell involves the day three files came across my desk around Thanksgiving.  The first file pertained to suing a local church for their unpaid bills.  The second file involved foreclosing on a homeless shelter that would require I displace hundreds of people into the shin deep snow.  The final file involved repossessing a car that I discovered its owner used to obtain medical treatment for her life threatening illness.  It was “that” day that I had an epiphany and realized I could no longer represent faceless debt collection companies.  I became disgusted and I quit.

I think the fact that you’ve taken so much time to read about me is pretty great.

My Client.  That is what I hope I get the opportunity to call you.