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DON'T BE HAMMERED BY YOUR DEBT

DON'T BE HAMMERED BY YOUR DEBT

Wednesday, August 08, 2007

Change In Course--Poll

I haven't written anything here for six months. That hiatus has been intentional. I have taken a leave from this blog because quite honestly I have been disturbed by the comments and emails it has generated. I have been considering whether to delete the blog completely, continue trudging down the path I have been traveling or concede to the obvious audience this site has garnered. I started this blog as an information sharing site for attorneys and professionals working in the debt collection field. My goal was a frank and honest discussion about our profession and I quite selfishly hoped I would learn some new methods and garner some new ideas on how to productively reach a resolution for all parties in this complex dance. That simply has not happened. The comments and emails this blog generates fall into two clear categories almost without fail. First, there are the obligatory "you suck", "you are scum", "debt collectors are going to hell", "you make me sick" responses. I don't mind those as they are easy enough to ignore and I am not so thin skinned as to let such feeble verbal sticks and stones harm me. The second group is completely different. These are people who for an infinite variety of reasons (some good, some bad, some fraudulent) cannot or do not want to pay their bills and are looking for a way out of the collection process that leaves them relatively unscathed. I began by trying to converse with these responders. My first question was always, "Is the debt yours, did you spend the money?" I was trying to appeal to the person's moral obligation to pay their debts. Very rarely, if ever, did I get a response to that question. Instead, I got chapter and verse on how they couldn't afford to pay the debt and how they were being hounded by terrible people who actually expected them to pay. So the audience this little blog has garnered is person looking to get out of debt the quick and easy way (it's never quick or easy) the new fangled way: don't pay it. And thus, I'm left with the choice, shut it down, ignore my audience and continue writing as if other debt collection attorney's were reading it or change the focus of the content to how to help you beat the collection industry. I haven't answered that question and I thought I would let you all answer it for me through a poll. So vote, your opinion matters.

10 comments:

Anonymous said...

THE WORD PUNISH THE DEBTOR IN NEW BANKRUPTCY LAWS TELL ME WE ARE HEADING FOR PRISON IN THE MODERN DAY FASHION. BANKRUPTCY PUNISHES ME BECAUSE I MADE A FEW MISTAKES BUT DONT FEEL IM A CRIMINAL CAUSE THIS IS A CIVIL MATTER rich badguy6098@aol.com

Shawn said...

Just wanted to let you know that at least one collection professional reads your blog. I've been in the industry for a dozen or so years and I always find your postings interesting. It would be nice to see more postings related to tips, techniques, and strategies. Keep up the good work!

Anonymous said...

I enjoy reading your posts and find it helpful to read informed, rational explications from a licensed attorney with experience in the field of debt collection. I urge you to continue your blog as is or change the focus to assisting consumers dealing with debt collection matters. Please appreciate the fact that I, and others, have found your information helpful and noteworthy. Thank you for sharing your knowledge with us.

valb said...

My boss and I are just starting a collection agency cum lawyer debt recovery office. I found your articles are informative. I have learned a great deal from it.

Some borrowers/debtors have the capacity to pay,but simply won't for whatever reasons. You have provided very good insights and alternatives actions to make them honor their obligations.

My 20 mins time reading your articles has been very productive. Keep up with your good work and thank you for sharing your thoughts and tips on collection matters.

Snow Queen said...

I have to say, I found your blog quite by accident, but it has helped me! My husband and I are having a HECK of a time with an old debt that has been SO screwed up, that no one really knows what is going on. We have paid on this for 18 years and the one honest creditor that called, told me that there IS something wrong with our acct, and she would get back with me, then never did. Then suddenly we are in collections. We are onto our 3rd creditor party now and NONE of them are willing to help us. We do NOT want to default on the bill, and we have worked our TAILS off paying off EVERYTHING else! But I won't pay $4K of stuff we didn't buy. So your blog has helped me ONE, learn what I need to do, and TWO keep me motivated to make sure no other debt gets out of hand. I'm SURE you are not REALLY the spawn of satan, himself, and I am a little disgusted to know there are so many smarmy people out there who just want an easy out for their debt! Those people have a lot of nerve calling YOU names! In all honesty, let it do your head and fingers some good to know that you really ARE helping some NON-smarmy people in Blog-World. Now to just get down to the bottom of my Sears problem....sigh

Sleeping Easy said...

Right or wrong, knowing the requirement of proof is information not incredibly easy to find. Seems to be the rules change. I was under the impression in the past after seven years the unfiled case had to be removed from reports. Now there are organizations who do nothing except take the risk of buying debt at pennies on the dollar, already written off by the original lender, and see if they can turn a quick dollar.

Anonymous said...

I've been reading your blog for some time and I've found it to be very informative. I apparently am one of the few who got into debt and have worked diligently to repay what I owe. However, I have encountered a number of collection agencies and law firms that have no idea what the FDCPA mandates. I disagree with you when you stated in an earlier post that the FDCPA has no teeth. It most certainly does. I have invoked my rights under the FDCPA and I've never had a problem with any collection agency after doing so. Of course, it certainly helps that I've taken the time to educate myself and there are a wealth of sites, such as this, that provide accurate information. The overwhelming majority of people I've met on line are like me and want to repay their debts. Apparently you've had the misfortune of dealing with common trash who have no sense of moral obligation. It is unfortunate that the collection industry as a whole is rife with less than reputable agencies and law firms. It's given a bad name to those that obey the law and make the effort to recover a valid debt. For those that have incurred a valid debt and refuse to repay it, I believe they'll get what they deserve. For those of us that are repaying their debts, the collection agencies and law firms using unlawful tactics will get what they deserve.

Anonymous said...

I for one enjoy the blog and am sorry you mostly hear from people insulting you. I guess when people have something good to say, they don't bother to write (though I just did :-) )

Anonymous said...

I found your blog when I was trying to find out what the state laws regarding aged debt were. I had the experience of a 15-year-old debt that was long-since forgotten about come back to haunt me (Sears, btw). I found the information you presented on how to proceed very helpful and informative, and greatly appreciated.

I don't know if you'll continue or not, but I did want you to know that even some of us who aren't professionals found your site very helpful.

Regards,

David in Maine

Anonymous said...

I'm a lawyer and I've found the information on your blog to be helpful. I would say: don't get discouraged. Your blog is probably being found primarily by debtor's using Google. Maybe you'll have a better experience if you (a) do some SEO so you attract more attorneys to your audience (b) turn off the comments. Best wishes!