Most of you know I have been working as a bill collector for nearly 11 years now. I have worked for fitness clubs, credit card companies, medical collections, and for the last 6 years, auto finance collections.
The average Joe has no idea of their rights under the FDCPA (Fair debt Collection Practices Act). There are many laws that protect those in debt against harassment. There are also a lot of little tricks that those of us in the business know.
I am offering advice to any and all who need it on this subject.
If you don't feel comfortable discussing your credit issues in the public forum, please PM me your question and I will do my best to answer you as best I can.