If you work very hard on improving your liabilities you wind up with slightly improved liabilities. That isn’t much help, is it? Yoko’s idea of a salad makes me sick. If she works hard to make me happy she might add a few pieces of choice garbage to her pile of chewed on weeds, twigs […]

What follows are three common types of bad applications. If any of them remind you of your application you can dramatically improve your bottom line by making a few changes. The problem with any of these bad Applications is that they don’t do what a credit application should do. They don’t get us Information about […]

First, you need to start evaluating your in house collection program. Second, you need to make sure your Collection Agency is compliant. Here is a general list of the proposed changes: Collection Agencies will be required to have information that demonstrates they are contacting the correct person about your debt. This would include information provided […]

​If you work very hard on improving your liabilities you wind up with slightly improved liabilities. That isn’t much help, is it? Yoko’s idea of a salad makes me sick. If she works hard to make me happy she might add a few pieces of choice garbage to her pile of chewed on weeds, twigs […]

Kindness and Empathy Are Required To Be Happy. Trust Must Be Earned. Yoko is not a perfect example of discretion. Yoko is a bouncy, happy, young Golden Retriever who doesn’t think twice about running into me when she wants to play. She takes a minute or two to move from crazy to calm after she […]

​The link below is a worst case scenario. This particular collection agency created fake debt. Various government watchdogs have closed down the rouge collection agency and confiscated all assets. At the very least you never want to have anything to do with a collection agency that breaks the law. At most, you don’t want your […]

Yoko, my Seeing Eye dog, isn’t sophisticated. She learns because of what works and she wants to make me happy. Sometimes, however, I learn something from her that is very important for anybody trying to run a successful business, like her tendency to sniff everything. She doesn’t sniff occasionally or just some things, everything. Then, […]

​Yoko, my Seeing Eye dog, isn’t sophisticated. She learns because of what works and she wants to make me happy. Sometimes, however, I learn something from her that is very important for anybody trying to run a successful business, like her tendency to sniff everything. She doesn’t sniff occasionally or just some things, everything. Then, […]

You are well aware that collecting past due bills isn’t easy. Here are a few ideas that will make it easier. L Capone once stated that you will get a better response with a gun and a nice word than with a nice word alone. While the temptation is certainly there to force a debtor […]

The CFPB (Consumer Financial Protection Bureau) is changing the rules for Credit Bureau reporting and these changes will significantly affect you if you check credit or have information reported to a Credit Bureau. The purpose of these changes is to improve the accuracy of credit information. Currently there is a 17% error rate. The new […]