Let's talk about the author first:
Mike Cardoza is a former senior executive of a debt-buying company, a debt collection agency, and a major regional high-volume debt collection law firm. A graduate of the Georgetown University Law Center, and UCLA with a degree in Business Economics, he is a veteran of the war in Iraq and continues to serve his country as an officer in the U.S. Marine Corps Reserve. He founded The Cardoza Law Corporation in order to share the truth about consumer credit and finance with the people who need it most. He lives and works in the San Francisco Bay Area.
Now let's talk about the book:
This little gem is only 62 pages, but this little gem is worth it's 'weight in gold' as they say.
If you, or anyone you know, are plagued by debt collectors, I highly recommend this book. It's fully titled:
The Secret World of Debt Collection:Beat Collectors at Their Own Game –A Former Collections Executive Reveals How
We have our own problems with debt collectors here in our house, but at the time I received the book, my mother was being 'bamboozled' into paying some that she just couldn't afford to pay. I read her several excerpts from the book, but finally gave her the book to read. It finally gave her the 'backbone' she needed to stave them off and stop feeling timid and scared, and forced into paying them when she couldn't afford it.No, the book isn't about how to avoid paying bills that you owe. It does give you insider tips, and confidence, on how to deal with the debt collectors.
Here is one bit of information from the book:
Keep Everything: Debt Collectors, Debt Buyers, and Creditors run into real legal problems when they say one thing, but do another. Or promise to do something, but then fail to do it. Or just plain violate the law.
Action: Save Your Mail and Your Collection Voicemails. Save everything you suspect to be a collection notice for at least a year. Save voicemails from Debt Collectors that are aggressive, rude, or which fail to clearly state that they are a communication from a debt collector. If you’re getting repeated calls to your cell phone from collectors and you didn’t give express permission for them to dial your cell phone, answer those calls so that you can verify who is placing them and so that they will be recorded on your cell phone bill. If you did give consent, then write or call to revoke it - and then watch for subsequent calls. Keep a log of what collectors called from where and when and what they said.
Disclaimer: I was sent a copy of the book as well as additional information for the purpose of this review. I was not compensated in any other way, however, all opinions are my own. Post contains affiliate links.