I Could Never Be a Bill Collector!

I could never take a job as a bill collector. One of the many reasons is because I think they are scum of the earth and I think much more highly of myself than that. It's a dirty job and somebody has to do it but that somebody is not me.

Calling some random stranger up and asking them for money that they haven't bothered to pay back in years just seems counter-productive to me. I mean, in most cases whenever I've had a years long unpaid bill its generally because I have absolutely no plans to pay it.

80% of all debts incurred in America are never collected and that is a formula for a lot of cold nights and wondering where your next meal is going to come from. No thank you! I'd rather sell bean pies on the street rather than accept that job...not that there's anything wrong with selling bean pies on the street!

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Credit Rebuilding: No one said it would be easy!

Make no mistake about it...Restoring ones credit is easier said than done. When I first set out to repair my credit, I had a 2 year plan and had I been able to stick with it, I would have probably been successful; but unfortunately, that was not the case.

My plan was 3 tiered. First, I was going to let all negatives that were nearing the statute of limitations fall off when the time came. This required no work on my part. I'd just wait them out.

Second, I would send "pay for delete" letters to all of my collection and charged off accounts. Anyone who was willing to negotiate a settlement to my liking, I would negotiate. Anyone who wasn't was dead to me and moved to the bottom of the list.

Lastly, I'd continue to make timely payments on the accounts that were current and in good standing while simultaneously searching for new credit offers that through research I found would be easier to get approved for; only applying if I felt that I had a better than average chance for approval.

The plan was great in theory but the reality is that I never followed through with it. I allowed myself to become distracted with sports on television, stress at work and hanging out and having fun! The good news is that I was able to secure a few new credit accounts in the process but overall, I could have been more successful.

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Money Changes Everything

A couple of years ago I was going through a really hard time and dealing with all kinds of financial struggles. My car note was behind, insurance, cell phone, credit cards and numerous other bills were all at least a couple months past due and I was stressed to no end.

After several months of struggling, I came into a large and unexpected sum of money in the tune of just over 10K. Even though the money had not yet touched my hands, just knowing that it was sitting there and on the way to me changed my entire mood for the better.

Nothing else seemed to matter. Dealing with my girlfriend leaving me, no problem. Stress at work in a job I couldn't stand, no problem. Fake friends talking about me behind my back while simultaneously stabbing me in it, no problem.

Having money made all my struggles seem terribly insignificant the moment I knew that a large sum of money was headed my way. They say that money doesn't buy happiness but the people who say that never had any money, so what do they know?

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Answering Calls From Unknown Numbers

Whenever I think about whether I should answer a call from an unknown number that I know is most likely a bill collector, I just let it ring straight to voicemail! The reason I don’t answer is because I know that if I do, I will just end up being upset and there is really no good reason to put myself through that kind of stress.

I know that plenty people feel that this is bad advice and that you only make matters worse by not answering and dealing with the issue head on. Well, those people are idiots! Now, let me explain. I have no problem with people wanting to pay their bills, because you should. Just do it on your own terms.

If you know you don’t have enough money to pay the debt off in full or at least enough money to negotiate a reasonable pay for delete offer, it makes no sense to answer the phone and get verbally abused by some "jackass" on the other end of the line who probably owes more people than you do!

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Over the years, people have asked me how I came up with the idea for “Bill Collectors Hate Me”. The idea sprouted from numerous conversations with friends and family members about how I’d find myself in a bind and then somehow manipulate my finances in such a way that I could seemingly generate money out of nowhere.  Here’s a few examples:

I found a loophole that allowed me to access money from my 401K every few months in order to pay my $1200 rent or $600 car payment whenever I was running low on cash, which I never had to pay back. I learned how to get a full tank of gas for $1 so that I could commute back and forth to work. I’ve survived on $50 for two full weeks until my next payday more times than I can count on one hand.

When a bill collector sent me a summons in the mail, I didn’t panic. I did a little research, made a couple phone calls and prepared my answer to the summons. A few days later I was at the courthouse filing my paperwork, paid a filing fee and less than 30 days later, my case was dismissed. Some have said that I work more angles than a politician…I simply call it maximizing my resources.

I’ve have several walk on water experiences. So many, in fact, that some people have accused me of having a “God Complex”. Maybe those people are right. Or maybe I just think they are and I’m simply living out the fantasy of trying to be who they think I am. But I digress.

Because I was becoming more and more known for maneuvering in and out of financial situations with ease, friends suggested I write a book or create a website to share my story with others who could use my assistance. Some suggested that I become an accountant. I decided a blog was my best option.

Blogging would give me a platform in which I could share my years of experience in credit and finance as well as the dark world of collections. I realized that through a blog I’d be able to teach people how to combat renegade debt collectors who think they are above the law. “Bill Collectors Hate Me” was born. 

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Capitol One Gave Me A Second Chance!

In a previous post entitled: Beware of Second Chance Offers from Capitol One, I warned people about accepting a credit card offer from Capitol One if you’ve ever defaulted on another credit card with them. The reason is because Capitol One is quick to extend you credit only to add your previous past due balance to your new account.

Having previously defaulted on a Capitol One account myself, back in 2009, I was very leery about accepting any new credit card offers from them for fear that they would add the old debt to my new account. After careful consideration, I decided to give them another try and to my surprise, I was approved for a new unsecured MasterCard.

It’s still too early to know if they will add my previous past due amount of approximately $1500 - $2000 to my new account but since my new application is 6 years beyond my original default date and long past my states statute of limitations, I think I may be safe. So if you’re thinking about accepting a new offer from Capitol One after a previous default, at least be sure that you've exceeded your states SOL.

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One Reader Speaks

I received an email the other day in response to a January 2015 blog post entitled: Do you find "Bill Collectors Hate Me" Useful? It was the only response that I received on the post but its message was priceless!

The response was along the lines of: "Although you may not be getting much feedback on your blog, I’d be willing to bet that you have a lot more readers than you do commenters".

What the reader was trying to say was something that I already knew… And that is that most people find it very difficult to speak about bad credit, especially when it’s their own.

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