Home> Credit Library

DEALING WITH DEBT COLLECTIONS: PROBLEMS AND TIPS
If your experience with a debt collector has been a positive one, good for you-- you are one of the lucky ones. For the majority, their experiences have led them here seeking hope and a way out of the harassment. Yes, if you owe a debt, they have the right to collect that debt but at what cost? Many consumers' have suffered health and emotional problems after dealing with the likes of some debt collectors who find pure pleasure in the chase of collecting a debt.

In my years of being a debt collector, I was constantly amazed how some of my co-workers treated people. Telling people such things like "You know you incurred this debt with the intent to commit fraud right? Because your not paying it!" In reality, that had nothing to do with why the debt went unpaid. Their job was to collect not counsel a person.  It was not until I transferred over into the credit union field that I began to see real respect for the debtor.

I was fortunate enough to work with very caring professionals who looked at everyone as a member, not a debtor. Before I got into the credit union field, I worked and trained at numerous collection agencies, attended the seminars and meetings and do you know what the topic always was? What method a collector used to trick a person into paying or what illegal act they committed just to find the person! 

The remainder of this article plus many more credit repair and debt collection defense articles along with the credit repair debt collection success strategies ebook, sample letters (over 40!) are for Members only but it's only a one time fee of $39.95 to gain access to all of that! Membership is lifetime too! Purchase the credit and collections success strategies and receive access to all of our articles, tips and tools. Already a member? Log in.

"I cannot believe the amount of information I received for a one time fee. I was searching all over the Internet and thank goodness I found you before I paid anyone else! I am so glad I found your site and you are angels to offer all that you do. Thanks again and again!" Debbie R.

It never occurred to me until I read your articles that you could sue the collection agency and/or attorney for FDCPA violations. The small investment of $39.95 was the best deal I've encountered in my life. Not only have I erased almost $50,000.00 in credit card debt, I made money to boot. The only thing stopping anyone from repairing their own credit by civil suit is fear of the unknown." Mark via email.

"I don't ever want to lose this website. It is the most wonderful, helpful site for us debtors. Thank you so much. I must say your site is the GREATEST, DON'T EVER GO AWAY. You have helped so many people by informing us as to how to defend ourselves. A lot of the information you give, I never knew. I have had to use it to help myself and my niece. We had to go to court and won thanks to your website. Tell Kristi and her staff to keep it up, there are more people out there that don't know." Caroline H.

"I can testify how well settling your own debts are. By far the most effective and in expensive way to handle your own debts. I have been working with these same debt settlement methods for almost four years, I was "drowning in debt" after suffering with, and ultimately losing my wife to a terminal illness. The 3 1/2 year medical costs, treatments, and final bills were enormous. However not wanting to file bankruptcy, I was able to negotiate virtually every debt and am now seeing the end results: Complete and final end of indebtedness with a CLEAR conscience!! I can never thank Carreon and Associates enough for all of the assistance you have provided to me. Your advice and encouragement assisted me beyond measurement!! Thank you ever so much, and GOD Bless You All." Dusty P.

" Thank you! Your site has proved most helpful over the past few years - I don't know what I would have done without the knowledge I've gained from you." Susan M. via email.

"I am not done, but just wanted to let yall know of success I have had with this ebook. I have gotten rid of over $5000.00 in debt and have raised my credit score by 120+ points. This is definitely the best $30 I have ever spent!!!" Cory via Member forum.

See more testimonials