HOW TO BEAT A CREDIT CARD DEBT LAWSUIT WITH THE SECRETS OF A REAL DEBT COLLECTION LAWYER
Wednesday, August 08, 2007
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.