Introducton Time - Do you know me?

Welcome to the site Kathy! I hope you have fun contributing to the community! Good Luck!

I joined some time back, but never formally introduced myself. My name is Toni. I have been married to my soul-mate and best friend for seventeen years and we have a 18 month old miracle baby, who is the light of our lives. We also have two German Shepherds, an Akita, a Chihuahua and two cats.

I work part-time at a veterinary clinic. My DH is a police officer. BB (before baby), I worked as a reserve (volunteer) deputy sheriff. If I had not been able to have a baby, I would have pursued a full time law enforcement career.

I actually found this site when my sister was unfairly harassed by Asset Acceptance for a debt that was not hers. She merely had the misfortune of being the next person to get that particular phone number after the debtor. Of course, it turned out to be a wonderfull blessing for me as well. We were struggling to make ends meet and now we will be debt free in less than three years! I am so excited about that!

This site has been a Godsend to us and I can't tell you how much I appreciate it!

Hi Toni

Thanks for introducing to all of us.

I prey for the good health of your darling baby and also wish you and your husband success on all events.

Hope you will have a good time with us.

Keep visiting this board often

Regards
Vikas

Hello all!
My name is Adria, and I am a single mother of two wonderful children. I currently reside in Austin, Texas.

I work as a programmer by day and enjoy live music and anything involving natural bodies of water.

I came upon this site when I was searching for advice and help on negotiating with less than helpful payday loan companies. The information here has helped me to understand my rights as a consumer. It has given me the courage to not bend to their scare tactics and properly pursue a payment plan that is beneficial for myself and the loaner. It's scary when collectors are putting so much pressure on you to pay them ASAP - and I was at the end of my rope.
This community is so great. All of the combined experience and sound advice could help anyone working to pay off their debt and improve their credit rating!

Hi Adria,

We are glad to have you in our community. It is true that some agencies often pressurize in making a financial decision without giving you enough room to think on it. That is why we have come up with a forum like this so that the community gets a platform to interact with each other.

We hope that you will get the required knowledge on your consumer rights and will be able to handle the situations skillfully.

Best wishes and happy moments here with the community

Regards
Vikas

Hello,

My name is Heather and I relatively new to this site. I don't even remember how I found this site, but it has helped me a lot and I have learned so much from everyone. It is a great support group and I don't feel so bad that I am not the only one who made some bad decisions. Hopefully everything will work out and I can get it all straightened out. I am on my way....

Hi Adria, Hi Heather,

I have been always saying that don't let pressure crush you; lift yourself during these times of pressure. We will gain some unknown power from inside and will be able to tackle any problem.

It really feels nice to hear the praises for our community. We are always trying to lift those who are struck in hard times and make them aware of the power that they have inside.

We will always appreciate your sharing of thoughts with us and encourage more people to join this board!!

Best of luck and good wishes forever!

Regards
Roxette

Good Morning Everyone,

My name is Tyeisha and I have been married for 70 days and counting. I have an 9yr old son who I love dearly.

I am a full time employee at a very popular News Paper in NY. I found debt consolidation care when I was looking for someone else who had a similiar problem when it came to the Payday loan sharks (What I call them) and I found a lot of individuals who is in the same boat as me. Now I feel like this is my new place to vent and to help others like myself.

I am in the process of consolidating my debt and becoming debt free in a few years!

I like this site and I feel comfortable in posting to all of you and also getting great feedback. I hope to get to know all of you and seeing you around the boards.

Good luck to all!!

Tyeisha

Congratulations and wish you a very happy married life ever after

Yes, this community is really an asset and the forum is a cove of useful information. This forum has achieved this glorious height because of the active participation of all of you.

We will hope to stay in touch at all the times and help someone in need. May God bless us all!

Regards
Roxette

I am a very recent on this site. One day short of a week to be exact. I have found so much help on this website. My life has done a total turn around with all that I have learned. I will continue to share my ups and downs in hopes that someone else will benefit

Linda

Hi Linda,

We will like to get your introduction here.

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Hi! My name is Linda. I was lucky to find this site a little over one week ago. I had so many problems and felt as though there was no hope for me. I did a search on how to stop my ach's going to these payday companies and this awesome webdsite popped up. I was glued to it for hours. Reading what is happening to all of these people. I knew I was not alone.

Thanks to all of these wonderful people that have helped me, I stopped all ach's at my bank so I can start building up my money again. I have enrolled in a debt management problem who works strickly with payday loans. And I do have to mention that I will never find myself in this situation again,

This all started when I pulled my credit report a few weeks ago. I have always had financial problems and did not know why. I now know it was all because of me. I never learned the importance of money, budget or my credit report. So now I have to teach my self through trial and error

My life has now changed. I guess you could say a new years resolution came early. I am paying off all the payday loans. I am tackling some negative things on my credit report once I get my paydayloan consolidation underway.

My goal, is to clean up my act, clean up my report, save my pennies for a rainy day and if it weren't for the support of this forum, I would not be feeling this great today.

A little about me in general. I am an office manager for a software company. I am older and I wish I could say wiser but I am learning

Hi Linda,

God helps those who help themselves. As you are making the effort to clear up your past problems, god will be with you and will guide you towards the right direction.

My best wishes are with you.

Regards
Roxette

hey guys. i'm sure many of you have seen my posts in the 'collections' forum, now it's time for me to introduce myself.

my name is matt, i'm a scorpio.... just kidding.

actually, my name is matt and i an a scorpio, but that's besides the point. i live in the phoenix area and have been a professional debt collector for several years now. i am very well trained in both federal and state collecting laws. the company i work for is world wide with over 8000 employees. for safety reasons i will not disclose which company i work for. i work in 3rd party collections and i am a top collector on my team. the reason i am a top collector is because i don't treat debtors like dirt-bags who are trying to skip out on their debts. i understand everyone goes through hard times and i try to work with people as best as i can. there is no need to harass people and make threats which are not only illegal, but also which i cannot follow through on. the company i work for, although has had bad issues in the past (what company hasn't?), for the past year or so we have gone through huge changes in regards to collector training and strategies.

it really hurts me to hear about collection agencies breaking federal and state law. that is not what collections should be about. it should be about helping people with their debt. most people in collections know they owe money and they are just looking for a little help. in fact, i call numerous debtors who are very young and are scared. they have never been in collections before and they aren't sure of their options. if i call on a balance of 2500, i would be perfectly happy setting up a 5 month payment plan, rather than kicking and screaming to get the balance in full, if that person can't pay it. it's all about communication and coming to a mutual understanding. although, people need to keep in mind that i have company policy to follow and i have policies to follow laid out buy our client. some things i am unable to agree to - such as a 24 month payment plan!

my intention here is to give information on how collection agencies work, and suggest ways of paying off debts. although i do cite specific laws, it doesn't mean i agree with tactics other collectors use to get around them or even bend them. also, i am very busy and if some of my responses seem a little 'short' i apologize.

Wow!! You are a lovely and precious addition in this forum It's even better to have you from the debt collection industry.