Having a debt collection company call your house, work or neighbors is probably one of the most intrusive, embarrassing and depressing experiences that you can probably have.

Most people deal with it by not answering their phone and hoping the debt collection company will get the hint and stop calling or just go away. But this will not happen. They will actually ramp up their calls by possibly calling your neighbors or work.


You might be saying is this legal? Yes and No! But the debt collection companies know that you will probably not go through the work to make them stop calling so they will continue to call.

Debt collection companies use this tactic to embarrass you into paying. There have actually been news reports of people that didn’t owe a debt but the debt collection company called their job and neighbors to embarrass them into paying a debt that they really didn’t owe.


Debt collection companies know that if you have too many calls from them to your employer your employer might lose trust with you and fire you.

If you want to make debt collection companies stop calling your home, neighbors or work follow these steps.

Step by Step How To Make Debt Collection Companies Stop Calling…
1. When you receive a call from the debt collection company have them send you what they are requesting in writing.

2. When you receive the letter from them IMMEDIATELY send a letter stating that you want proof to validate the debt they are trying to attempt to collect. For more information on that (Validate Debt)

3. With in your response letter asking for them to validate the debt they are trying to collect you also inform them that you would only like them to contact you in writing and that any communication by phone to your home, work or neighbors would be considered harassment.

4. You must send this back to them “Certified Mail – signature required”.

9 times out of 10 debt collections companies will either just go away or stop calling because they understand that you’ve put them on notice and that you’ve documented that they have been put on notice.

The #1 job of a debt collection company is to try to get you emotional about the debt you owe.

They do this because they might not have all the necessary documentation proving that you actually owe the debt and they don’t want you even thinking about possibly challenging the debt.

So the first thing they will do it send you a standard letter in the mail explaining that they are trying to “Attempt to Collect A Debt”. Read the bottom of the letter if you have one.

If you really cool down and read the letter for what it really is…you’ll find that the initial letter from the debt collection company is actually an attempt to have you “Deny” or “Acknowledge” the debt in question.

This is where the “Emotions” start to come in. They don’t want you to really understand the letter for what it really is they want you to get emotional about a debt that you probably owe, BUT if you respond properly they will take a step back and have to prove that you really owe the debt.

I know that might be a little confusing so I’m going to teach you step by step what you should do when contacted by a debt collection company about a debt you may or may not owe.

First you receive a call from a debt collection company about a debt you owe.

1. Request that they send it to you in writing. Don’t answer any question about your job, open checking accounts, open credit card balances, etc. Regardless if they threaten you or not just request that they send it to you in writing.

2. When you get the letter in writing you should immediately respond with a proof of contract letter.

3. You must send the letter Certified Mail for proof of receipt. If you don’t they will disregard it after they read it.

4. Wait for their response. You have a 50-50 chance that they will go away if you do this. Your chances are better if the older the debt is. Because these companies buy and sell old debt all the time if they don’t have the appropriate paperwork proving that you owe the debt they will go away most of the time.

In closing…you must keep yourself from being emotional about the debt collection company calls. You must answer your phone and request everything in writing. You must immediately respond to their letters in writing requesting that they provide you proof of the debt.

Proof is not a paid receipt stating that they purchased the debt from another creditor. The debt collection company must have the original documentation from the original creditor proving that you sign for credit and the purchases you’ve made using that credit.

Today I was reviewing a response from a national debt collection company for one of my clients. Rather than answer my clients responses to the initial summons to court they sent a list of “Interrogatories and Request for Production of Documents” concerning his summons to court for a $11,188.53 credit card debt.

My client isn’t denying or affirming the debt he is asking for proof from the current debt collection company that they have all the necessary documentation to sue him for the debt.

So they totally disregarded his answer to their summons and tried to use a stall tactic by sending “Interrogatories and Request for Production of Documents” concerning his summons to court.

Why would they do this? They are trying to either have my client not want to spend more money to have an answer to the “Interrogatories” because they don’t have the necessary documentation to substantiate that he actually owes the credit card debt in question.

I immediately had my client respond with a certified letter requesting again answers to his response to their summons.

The debt collection company actually attempted to make my client prove that he owed the credit card debt. When by law the Plaintiff is required to prove the facts against the defendant.

Debt collection companies are winning because most individuals will not face them and institute their rights as a citizen in court.

For more information on how you can fight back against debt collection companies sign up for my Free Online Software System.

Because of the downturn in the economy many lawyers have gotten into the debt collection business. It seems to be a personality type thing…if the lawyer has compassion they become a bankruptcy attorney, if they don’t give a damn about anyone except themselves they become a debt collection firm.

My blog is all about dealing with debt and dealing with debt collection companies is a specialty of mine. Even though I’m not an attorney I’ve been in court dealing with my own debt issue’s from the past and I’ve help hundreds of individuals and families execute their rights against debt collection companies either in court, phone or via mail.

The most common mistake you can make when dealing with a debt collection company is to not respond to their letters or calls about a specific debt you may or may not owe.

I understand that you might be under a lot of stress and anxiety about your financial situation I’ve been their myself but you need to face up to it and find out the entire situation.

When it comes to debt collection company calls always answer the phone and tell them to send what they are talking about in writing. Don’t answer any question about where you work, if you have open balances on your credit cards, about paying monthly payment, etc.

Keep the conversations short, simple and to the point. Tell them that you are not denying or acknowledging the debt and that you are requesting that they send you all the information about what they are saying you owe in writing immediately.

This is where most people make their first mistakes dealing with debt collection companies. What is they have already sent the documentation about the debt and they haven’t gotten a response from you and that’s why they are calling?

First you’ll need to find that letter and HOPEFULLY it isn’t past the 30 day grace period that debt collectors are given when asking you to acknowledge a debt.

Every debt collection company must send you a letter in writing giving you 30 days to agree or disagree that you owe a specific debt that they might have purchased or taken over as a collection account for the original creditor.

If it isn’t past the 30 day grace period you should immediately send a letter back stating that you don’t acknowledge the debt. For more information on how to do this please visit my website at NOMOREDEBT2011.COM to get all the documents you’ll need to submit this.

The main reason why that is so important is because if you don’t respond with in 30 days you are acknowledging that you owe the debt and that allow the debt collection company to move forward.

If you respond you put them back on their heals and started a process of making them come up with all the necessary documentation proving that you actually owe the debt in question.

Because these debt collection companies are buying thousands of old account at a time they rarely do their homework and get the necessary paperwork proving that each account is valid under the law.

The law states that they must prove with original documents from the original creditor. Because most people don’t challenge this because they are stressed out, afraid or going through severe financial problems they don’t even show up to court to execute their rights.

If you have already past the 30 day grace period you can attempt to request the documentation from the debt collection company but they might have already moved forward to a court summons.

If you receive the court summons don’t be afraid because I’m about to tell you how to deal with that also.

A court summons is a request made by the Plaintiff such as a debt collection company or a creditor to have you come to court to tell the court what you are going to do with the debt that you owe.

Here’s the BIG MISTAKE most people make when getting summoned to court.

They just show up to court with out answering the summons. If you have a summons you’ll notice that they haave questions that they wanted you to answer about the debt. They didn’t just say “Joe Blow owes me $35,000″ they actually wrote out a summons request with specific questions.

The first thing you should do is answer all the questions on the summons. Again please refer to my website for documentation on how to do this at NOMOREDEBT2011.COM

They do this for two reasons. Reason #1 it’s the law and Reason #2 it’s a great way to confuse you about what you should do about them summoning you into court.

I’ve heard of lawyers taking their clients to court without answering the summons point by point. This can actually make you lose your rights even if you are not at fault.

After you’ve answered the summons regardless if you owe the debt or not this will buy you much needed time to allow you to make a possible settlement of the debt at a more favorable amount.

If you have any question about dealing with debt collection companies please feel free to post to my blog or go and sign up for a FREE Membership to my Real Debt Solution Software system to help you deal with debt, budgeting, credit repair and much more.

FOR YOU FREE MEMBERSHIP CLICK HERE. (MEMBERSHIP VALUED AT OVER $10,000)

Millions of American’s are still finding it very hard to cope with the current economic climate. But the problem isn’t a clear cut as it may seem. Maybe you currently find yourself struggling to pay your bills, keep food on the table, keep your car running and sustain a certain lifestyle for you and your family.

This is the situation that most American’s find themselves in right now. With all the financial struggles comes a load of personal struggles such as: arguments with your spouse of money, children acting out because they see you and your spouse arguing over money. Health issues, lower self esteem and lower energy levels are all a result of being in debt.

If you’re going to figure out a solution for getting out of debt in 2012 you’re going to have to get serious!

You’ve probably figured out a way to cope and struggle through this economy but you’re actually missing out on an incredible opportunity to turn your financial situation around. Why wait to get out of debt when the economy is better when you can put together a plan for getting out of debt in 2012 now and enjoy life more when the economy gets better?

Getting out of debt in 2012 should be your number one goal. I understand you won’t be able to pay off all your debt, but you can get your debt under control and set a target date to get it paid off.

But you’ll never get into that position if you constantly worry about being in debt. You must start to see better days in your future by seeing a way out of debt and the only way you can do that is by having a solid plan of action for getting out of debt in 2012.

Here are the steps you should take to start getting out of debt in 2012:

1. Stabilizing your household situation – you’ll never be able to pay off any debt if you can’t ensure that you and your family has a roof over your head, food on the table, utilities paid and transportation to and from work.

2. Set-up a budget – you’ll never understand how to management your money unless you know to the dollar what’s coming in and what’s going out.

3. Put together a debt elimination plan – when you have a budget you can put together a strategy to pay off your debt faster because you see what’s in front of you.

4. Establish an emergency fund – this is very important because most people use a credit card for an emergency fund and that’s a problem. If you have cash on hand more than likely you’ll rarely have emergencies and if you do have one you won’t have to go into debt to take care of it. I recommend at least $500 to $1,000 accessible cash with no penalties if used. While getting out of debt.

5. Review for acceleration of your debt elimination plan – once you have the other steps on paper there are several options that will open up for settlement offers on credit cards, automobiles, payday loans, etc.

6. Action + Action + Belief + Concentration = Tremendous Results – nothing will happen without you taking definite action with belief you can accomplish your goals and a high level of concentration to keep you focused on your goals.

7. Start saving for life experiences…Fun, Retirement, Generational Wealth

Fix Your Credit and Debt For FREE. CLICK HERE!

Today we have heard the sad news of Pop and R&B Superstar singer Whitney Houston was found dead at a Hollywood, California at the Beverly Hilton Hotel (Feb. 11, 2012).

Whitney Houston hit the scene in the late 80′s and 90′s with list of #1 singles. She starred in the movie the ‘Body Guard’ with Kevin Costner and we mostly remember her for the singing of the National Anthem at the Super Bowl. She made that into a #1 hit song that year.

After wedding to another R&B Superstar Bobby Brown from the Hit Group New Edition Whitney Houston and Bobby Brown started on a downward spiral. They were heavy alcohol and drug users. Because they had a lot of money it seemed that it was only getting worse.

Whitney Houston had been seen around town with Bobby looking stung out and she wasn’t singing anymore. At a past Grammy Award show Whitney Houston was trying to make a comeback and when she took the stage we could all see that it wasn’t the same Whitney Houston.

She had just finished a remake of the movie ‘Sparkle’ and she had a lot of deals on the table including a newly released album.

Are you searching for a Real Debt Solution in Wisconsin? Have you heard all the commercials from lawyers and debt consolidation companies promising to get you out of debt?

With all of the rip offs that are going on right now you probably don’t know where to turn for a real debt solution in Wisconsin.

Let take a look at some of the real debt solutions in Wisconsin.

1. Bankruptcy – you can file a Chapter 7 bankruptcy which is a full liquidation of your assets. You can keep certain assets such as furniture, vehicles and other personal items up to a certain amount. Chapter 13 is a form of bankruptcy that allows you time to restructure your debt and pay your creditors back over a 36 month period of time. The direct benefit of both of these real debt solution options is that they offer instant relief from your creditors.

All debt collection actions must stop from the first day that you file bankruptcy. A draw back to this real debt solution in Wisconsin is that it will remain on your credit for 7 years but that can actually work in your favor because it allows you time to get your spending behavior under control for a period of time usually 1 to 2 years before creditors will lend you money again.

The creditors also know because you used the real debt solution option of bankruptcy you can’t file again for 10 years so they know you can rack up debt and file right away to get out of debt.

2. Debt Settlement – you can use this as a real debt solution option in Wisconsin also. Debt Settlement companies have been popping up all over the country promising to settle your debt at a discount. Yes this is a real debt solution option in Wisconsin but you need to understand that the debt settlement companies cannot make the creditors settle. They can only offer settlements.

Debt Settlement companies will usually charge a fee for settling your accounts and they mostly want high debt amounts in the $5,000 and up range. Because there are so many debt settlement companies offering there services as a real debt solution option in Wisconsin you should do your homework before selecting a company.

3. Debt Elimination Plan – yes you can budget your way out of debt. This is a real debt solution option in Wisconsin that is mostly over-looked because most people don’t believe they can do it themselves. This is the most powerful real debt solution in Wisconsin because its a behavior modification. Regardless of which real debt solution option you decide to use you’ll ultimately need to use a debt elimination plan or debt maintenance plan for the rest of your life.

Here are the 7 Steps to getting your financial house in order…

1. Stabilizing your household situation – you’ll never be able to pay off any debt if you can’t ensure that you and your family has a roof over your head, food on the table, utilities paid and transportation to and from work.

2. Set-up a budget – you’ll never understand how to management your money unless you know to the dollar what’s coming in and what’s going out.

3. Put together a debt elimination plan – when you have a budget you can put together a strategy to pay off your debt faster because you see what’s in front of you.

4. Establish an emergency fund – this is very important because most people use a credit card for an emergency fund and that’s a problem. If you have cash on hand more than likely you’ll rarely have emergencies and if you do have one you won’t have to go into debt to take care of it. I recommend at least $500 to $1,000 accessible cash with no penalties if used. While getting out of debt.

5. Review for acceleration of your debt elimination plan – once you have the other steps on paper there are several options that will open up for settlement offers on credit cards, automobiles, payday loans, etc.

6. Action + Action + Belief + Concentration = Tremendous Results – nothing will happen without you taking definite action with belief you can accomplish your goals and a high level of concentration to keep you focused on your goals.

7. Start saving for life experiences…Fun, Retirement, Generational Wealth

Fix Your Credit and Debt For FREE. CLICK HERE!

If you’ve been reading my blog you know by now that I don’t hold any punches when it comes to accountability. Right now in the Milwaukee, Wisconsin Black male unemployment is over 53% for the ages of 18 – 45.

Who’s fault is this? A lot of political figures have blamed the loss of manufacturing jobs and the downturn in the economy. Both of those are facts but they are not solely the reason behind Black male unemployment.

One of the biggest problems we have in the Black community is the unwillingness to adapt to new ways of doing things. Now don’t get me wrong there are many other communities that are facing the same problem too but it seems that the Black community lags behind solely due to believing more in the old ways rather than seeing that things are changing right in front of our faces.

When accepting applications I’ve had applicants write their name using text messaging style. This is when they write “You” as “U”. What the hell is that all about.

There’s also a huge problem with not listening to what is required. Such as typing, computer skills, etc. The Black community lags behind in these simple skills that almost every job will require.

There’s also a huge problem with attitude. This is actually crossing all Racial lines but for this article I’ll stick to the Black community.

I’ve experienced wet behind the ears applicants believing they should be at the top of the company with no experience and barely any skills required to perform the needed duties.

I could go on and on about the short-comings of the Black community but I won’t…instead I want to talk about solutions.

Our community needs new energetic individuals willing to take technology by the horns and ride it until!!!!!!

We have become major users of technology but we don’t invent anything that could change the landscape of our community by providing jobs in the technology fields.

Because our children and young adults have been raised with technology that’s all they know. They can manipulate technology, they can learn how to use it in minutes and they use it over and over again.

But the problem is they are only using it and not benefiting financially from it.

The solution is to INVENT new technologies, provide new uses for existing technologies and teach new technologies as an employment opportunity for themselves and others.

We see people earning thousands of dollars per month from just publishing videos online on youtube. Where some see it as a place to just post some stupid videos of themselves acting up…other see it for what it really is…an opportunity to earn a very good living providing content.

There are other ways such as blogging, affiliate sales, content writing, direct response web and more that you would use to earn a very good living from online.

There problem is that the Black community is too busy consuming rather than inventing!

I invite your comments on this posting below…

Debt Collectors are purchasing old debt for pennies on the dollar and they are attempting to collect on it, but if you know your rights they can’t. Watch my video below to see what I’m talking about.

Debt collectors are hoping and praying that you don’t show up to court so they can either get a “Default Judgment” or “Judgment Extension” for an old debt.

Because the courts are buried with cases the judges are just signing off on these cases to move them though. The only way you’ll be able to protect yourself is to know your rights when dealing with debt collectors and old debts that you owe.

I must admit that I’m surprised that its taken this long to OJ Simpson to lose his home because he’s been in prison for the last 4 years.

Former actor and American football player OJ Simpson is losing his house, after late fees, penalties, and overdue principal built up.

But, according to court records, the bank’s process server tried to deliver the foreclosure notice at Simpson’s Miami home.

Simpson, 64, has been imprisoned in a Nevada jail since 2008.

According to Radar Online, JP Morgan Chase started the foreclosure process after Simpson accumulated hundreds of thousands of dollars in debt.

The former football player purchased a one-storey house in Miami, Florida in 2000, taking out a $575,000 mortgage for the $522,000 home.

The house has five bedrooms, four baths, a pool, and guest house set on a two acre plot.

The home was sold to Simpson on September 22, 2000.