I believe we all have a story, and it is what we do with our story that guides us on a path to where we ultimately want to be.
I started in the credit industry over 20 years ago as a debt collector. As does most debt collectors, I violated the Fair Debt Collections Practices Act on almost every phone call I made. In my office, I would hear collectors yelling and screaming at debtors they were collecting money from. Many times, collectors would tell debtors to donate blood to make a $5.00 payment. We would leave messages to neighbors while giving detailed information about the past due accounts we were collecting, which is a violation of privacy rights under the FDCPA. The collectors would even threaten to kidnap the debtors first born if they did not pay their account. We never gave the people we called any compassion, understanding, even if the debt was inaccurate, not theirs, or out of statute of limitation. We knew debtors did not know their rights, so we took advantage of that. We gladly took the slap on the hand for the debtors who were familiar enough with the laws and knew to submit a complaint.
These actions are common all across the board by debt collectors. It does not matter what state they are working from, the type of debt they are collecting or what laws are in place to protect consumers. If consumers; i.e. debtors do not know the laws, it did not matter.
What made me change?
As a debt collector myself, I would also push debtors to their limits. I called one in particular more than I should have, even though the debt was not his debt. One day I called and learned this gentleman committed suicide. As a debt collector, you have thick and callous skin. My response to his daughter that informed me about the news of her father was “send me the death certificate”. Not only did we receive the death certificate, we also received the suicide note. Maybe he had more debt issues, maybe there were issues outside of debt. However; I took responsibility for his death. It was at that very moment that I decided to learn who consumers had to turn to when they were being harassed by people like me. After several phone calls to attorney’s, the attorney general, the Federal Trade Commission, and other government agencies, I learned consumers essentially had no one.
This is when I set out to protect consumers from people like me. I decided to fight debt collectors on behalf of people.
This is what makes me different then the “credit repair” companies. I created a process helping consumers fight back against a rapacious and intimidating industry.