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    How To Fight Debt Collectors And Win!
    How To Fight Debt Collectors And Win!
    How To Fight Debt Collectors And Win!
    Ebook72 pages1 hour

    How To Fight Debt Collectors And Win!

    By Merl K. Miller

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    About this ebook

    This could be a book of forms. It is not. In this inspiring and sometimes funny book, you learn to think for yourself. You learn how to deal with collection agencies and the people who work for them.

    If you found this book by searching for debt collector, you know that there are many books on how to collect a debt, there are a few books of forms written by lawyers, and there are some confessions.

    The good news is you don’t have to talk on the phone unless you need an address. You can immediately stop harassing calls. So, if Pusillanimous Prevaricating Perfidy calls you, you don’t have to answer. If you need to call them, you’ll know exactly what to say.

    Yes, you will have to write them a letter and there are some sample letters included. However, you can adapt the letters to fit your situation.
    The book does discuss some of the unethical sneaky methods collection agencies use. You probably already know that they will lie, cheat, and sometimes steal. This is your chance to fight back.

    If you were going to fight somebody, would you want to know how to strike all the proper poses or would you like to know how to smack someone up alongside the head?

    It is time to smack some jerks!

    LanguageEnglish
    PublisherMerl K. Miller
    Release dateSep 28, 2013
    ISBN9780933557017
    How To Fight Debt Collectors And Win!
    Author

    Merl K. Miller

    Okay. I wrote the book so you could call this a miniature autobiography. I have been an entrepreneur or salesman for over 40 years.This is not my first book. Between 1976 and 1986, I wrote 27 books on computers and robots.From 1987 to 2013, I was a financial advisor specializing in middle class families. During that time, I met with thousands of families in their homes. Yes, it was thousands. I met more than 200 families a year. I learned some things about how people think about money and what they do about it.In addition, I had all kinds of fancy education that has little or nothing to do with you and your family. For instance, I took a 3 year Certified Financial Planner course. It was mostly mathematics. It was like the algebra you learned in high school. I never used it.For years, I heard about how bad collection agencies are but I really didn't know how bad they were until I experienced it myself. My story is in the first chapter of How To Fight Debt Collectors And Win!The first thing I learned is that the “experts” including me were wrong. I gave the same bad advice about debt collectors that everyone else does. For instance, I told people to call the collection agency and try to solve the problem. That is a really bad advice. Don’t do it!Debt management is simple (that doesn't mean it is easy). I knew I could show people how to get out of debt. I had been doing that for years. Dealing with debt collectors is not the same as getting out of debt so I knew I needed to give my clients better advice.When I really understood how to deal with debt collectors, I knew I had to write a book. I wish somebody had told me this information seven years ago. It would have saved me some serious money and a lot of grief!What really irritates me about debt collectors is their lack of respect for you. They don't seem to care about anyone. I know that I do. I would like to help you deal with these jerks.

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      Book preview

      How To Fight Debt Collectors And Win! - Merl K. Miller

      TABLE OF CONTENTS

      DISCLAIMER

      Chapter One INTRODUCTION

      How To Get The Most Out Of This Book

      Sticky Notes

      Smile

      Background

      Jerk Disposal

      Letter From An Honest Debt Collector

      Chapter Two WHO CALLS ME

      Caller ID

      How To Find Out Who Is Calling

      Make The Call

      Polite and Erudite

      PO Box

      Record

      Block

      Write A Script

      Rewrite, If Necessary

      When To Call

      Chapter Three GET YOUR HEAD SCREWED ON STRAIGHT

      I Am A Worthwhile Person

      Limit Television

      The Law Of Attraction

      Negative Emotions

      Chapter Four LETTERS

      Make Multiple Copies

      Write A Letter

      Send It By Certified Mail Return Receipt And Get A Certificate Of Mailing

      Buy A Cashier’s Check

      Sample Letters Starting With Cease And Desist

      First Cease And Desist Letter

      Second Cease And Desist Letter

      Debt Settlement

      Debt Settlement Offer

      Debt Settlement Request

      Debt Settlement Payment

      Chapter Five WHAT COLLECTION AGENCIES ARE NOT SUPPOSED TO DO AND SOME THINGS THEY CAN DO

      Some Big No-Noes That Are Usually Violated

      The Lawyers Get Involved

      What You Should Say In Your Answer

      How To Use This Information

      Your Day In Court

      Lawyer?

      CONCLUSION

      ABOUT THE AUTHOR

      How To FIGHT Debt Collectors

      And WIN!

      by

      Merl K. Miller

      Smashwords Edition

      * * * * *

      Published on Smashwords by:

      Merl K. Miller and Associates

      P.O. Box 209

      Bellevue, OH 44811

      Telephone: (866) 303-0955

      All rights reserved. No part of this ebook may be reproduced in any form, electronic or mechanical, without the specific written permission of the publisher. However, a reviewer may quote up to 250 words without permission as long as the book is properly cited. Further, the reader, without permission, may copy sample letters and conversations for personal use.

      This ebook is licensed for your personal enjoyment only. This ebook may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each recipient. If you are reading this book and did not purchase it, or it was not purchased for your use only, then please return to Smashwords.com and purchase your own copy. Thank you for respecting the hard work of this author.

      How To FIGHT Debt Collectors And WIN!

      Copyright 2013 by Merl K. Miller and Associates

      ISBN: 978-0-933557-01-7

      DISCLAIMER

      Nothing in this book should be considered legal advice. It is not. I am not a lawyer. The information in this book is based on my personal experience and the personal experiences of my financial clients. If you need legal advice, please contact a competent attorney.

      If you would like to have an attorney review anything I suggest in this book, please do so. I have never had an attorney involved in my personal financial matters but that doesn’t mean you shouldn’t.

      No attorney reviewed this book before publication. However, if an attorney reviews the published book and makes comments, I strongly urge you to read those comments. I certainly intend to read all comments.

      HERE IS THE LEGALESE

      The purpose of this book is education and entertainment. The views expressed are the author’s alone. Concepts presented are suggestions, not instructions.

      It is the reader’s responsibility to adhere to all state and/or federal laws that may apply to the subjects introduced in this book. Neither the author nor the publisher assume any responsibility or liability whatsoever on the behalf of the reader or the buyer of the book.

      No part of this book may be reproduced in any form, electronic or mechanical, without the specific written permission of the publisher. However, a reviewer may quote up to 250 words without permission as long as the book is properly cited. Further, the reader, without permission, may copy sample letters and conversations for personal use.

      Both the author and the publisher have attempted to verify the information in this book. Neither the author nor the publisher is responsible for errors, omissions, or interpretations of the material presented that are different from what the author has written.

      Chapter One

      INTRODUCTION

      Welcome. This book is part of a series based on my online course The Essence of Money. If you would like more information about the course, you can download a free eBook here. At that point, we should be friends, so please tell me who you are by filling out the contact form. The course is audio/visual. There are links to four free lessons in the eBook. The course will teach you how to control money rather than letting money control you. It has a special section on how to get out of debt.

      The most important thing I can teach you is keep good records. You don’t have to know a bunch of fancy stuff. All you have to do is keep good records. I read once that if you want someone to remember something, tell them three times. Therefore, my comment for today is keep good records.

      This could be a book of forms. It is not. Instead, I want to help you think for yourself. No form is going to cover every situation and your situation is different from everyone else’s. Yes, I’ve included some letters in Chapter Four. My emphasis is on teaching you how to deal with collection agencies and the people who

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