Kurzbeschreibung
BILL COLLECTOR CONFIDENTIAL
Has your telephone become your enemy?
Get that nuisance off your phone, off your back, and out of your life forever.
In this book, an ex-bill-collector shows you how.
A debtor-advocate, ex-collection-agent Steve Katz is the founder of Debtorboards. Co-author George Trinkaus wrote the first book on the collection industry.
We, the authors, say to the harassed debtor: Know Your Enemy. Who is this character, the bill collector? How does he think? What does he want, and when does he want it? Katz knows; he rubbed shoulders with these characters back in the day.
Asks Katz: "What kind of bill-collector was I. This kind: I knock on the lady's door. This is a walk-up apartment in Brooklyn. She opens up; two kids cling to her skirt. I wave paper at her. 'If you can't pay your bills, how can you be a responsible mother? Get your coats kids. You're coming with me.' Of course, she runs in terror for her checkbook. I'm there to dun her for a $30 furniture installment. That's the kind of collector I was." (from the Preface)
How does any collection business operate day-to-day? What are its routines? What are its inherent limitations? What are the untruths that collectors routinely assert. Learn from an insider. If you know, you are armed.
Ten key creditors, how they collect, how to fight back:
auto loans
credit cards
bank loans
payday loans
child support, alimony
doctors, dentists, HMO's
insurance
IRS
mortgage
phone, utilities, ISP
student loans
When the creditor fails, you then must cope with:
the agent,
the lawyer,
the junk-debt-buyer,
the skip-tracer.
Don't be intimidated. Learn the language of intimidation. Are you an assertive, scrappy, contentious sort of person? Then this tutorial is for you. Not for the faint of heart, this book lays out a martial arts of debtor self-defense called debtsmanship.
Is your debt in the hands of a creditor, an agent, a junk-debt-buyer, or a lawyer? You should know. Is your debt still in statute? You had better know this, too. Many an out-of-statute debt is put into aggressive collection. Why you should never pay a cent to a junk debt buyer. Why you should refuse to talk. Why you should demand a validation letter. Why you should record collection calls.
When does a collector sue? What is suit, summons, judgment, seizure? How to file an answer. How to assert counter-claims. How to file for discovery. How to send the lawyer on an endless paper-chase. How to grind them down instead of the other way around.
Collectors assume you are ignorant of the law and act as if consumer protection law does not exist. Learn the little-known acts that exist to defend you. Then sue the bastards. Here's how.
Are collectors are violating your rights? Probably. But what rights?
Debtors: you are protected by little-known federal acts that collectors routinely violate, assuming you are ignorant. So sue the bastards. Here's how.
Has your telephone become your enemy?
Get that nuisance off your phone, off your back, and out of your life forever.
In this book, an ex-bill-collector shows you how.
A debtor-advocate, ex-collection-agent Steve Katz is the founder of Debtorboards. Co-author George Trinkaus wrote the first book on the collection industry.
We, the authors, say to the harassed debtor: Know Your Enemy. Who is this character, the bill collector? How does he think? What does he want, and when does he want it? Katz knows; he rubbed shoulders with these characters back in the day.
Asks Katz: "What kind of bill-collector was I. This kind: I knock on the lady's door. This is a walk-up apartment in Brooklyn. She opens up; two kids cling to her skirt. I wave paper at her. 'If you can't pay your bills, how can you be a responsible mother? Get your coats kids. You're coming with me.' Of course, she runs in terror for her checkbook. I'm there to dun her for a $30 furniture installment. That's the kind of collector I was." (from the Preface)
How does any collection business operate day-to-day? What are its routines? What are its inherent limitations? What are the untruths that collectors routinely assert. Learn from an insider. If you know, you are armed.
Ten key creditors, how they collect, how to fight back:
auto loans
credit cards
bank loans
payday loans
child support, alimony
doctors, dentists, HMO's
insurance
IRS
mortgage
phone, utilities, ISP
student loans
When the creditor fails, you then must cope with:
the agent,
the lawyer,
the junk-debt-buyer,
the skip-tracer.
Don't be intimidated. Learn the language of intimidation. Are you an assertive, scrappy, contentious sort of person? Then this tutorial is for you. Not for the faint of heart, this book lays out a martial arts of debtor self-defense called debtsmanship.
Is your debt in the hands of a creditor, an agent, a junk-debt-buyer, or a lawyer? You should know. Is your debt still in statute? You had better know this, too. Many an out-of-statute debt is put into aggressive collection. Why you should never pay a cent to a junk debt buyer. Why you should refuse to talk. Why you should demand a validation letter. Why you should record collection calls.
When does a collector sue? What is suit, summons, judgment, seizure? How to file an answer. How to assert counter-claims. How to file for discovery. How to send the lawyer on an endless paper-chase. How to grind them down instead of the other way around.
Collectors assume you are ignorant of the law and act as if consumer protection law does not exist. Learn the little-known acts that exist to defend you. Then sue the bastards. Here's how.
Are collectors are violating your rights? Probably. But what rights?
Debtors: you are protected by little-known federal acts that collectors routinely violate, assuming you are ignorant. So sue the bastards. Here's how.
