Legal Firm Used As Debt Collectors 2

Beyond doubt the most responsive post I’ve done to date has been Legal Firm Used as Debt Collectors. It’s evident from the responses that I’ve received since creating that post that most people don’t comprehend the lessons I’ve tried to portray.

The single most common request is for a copy of the letter that I sent in response. Just that fact demonstrates that people are seeking a copy and paste means of dealing with matters rather than understanding them properly themselves. Without comprehension of the concepts they are either incapable or unwilling to spend the time putting their own efforts into dealing with debts and collectors.

The Facts

The fact is that money does NOT exist. Gold and silver are not money. Coins are not money. Paper is not money, and digital numbers on a screen are not money. Money is a mental construct, an idea, it’s not real anymore that the color blue is real. According to the linked article, many cultures and peoples still don’t even really see the color blue.

When we compare that to the concept of money, many cultures still don’t have or “see” money. It doesn’t exist to them and it really doesn’t exist for us today. When banks or financial institutions “lend” money what they really do is exchange promissory notes to “pay” money. There is no real gain or loss for either party.

Some Issues

Some people have stated to me that “there is a debt from (a credit card)” while others have stated that they owed money for some other reason. Others have asked me to help them deal with their factual obligations such as child support or alimony. In the former case, the person does NOT comprehend the facts and simply needs to settle the matter with the debt collector. Do this in the easiest way possible for yourself. In the latter case, the individual needs to grow up and take responsibility for the decisions they’ve made in life. They need to stop running from their relationship obligations.

I’ll help people to resolve issues that they have with debt collectors as I am able. But I can’t assist someone who admits to the fantasy world of money. And I WILL NOT assist someone trying to escape the real responsibilities of caring for children and family.

Some Suggestions

Study and learn the concepts of money. I suggest such documents as the Bills of Exchange Act or similar statute in your country. White Rabbit Trust on YouTube. El Spaniard is a former bank manager and debt collector himself and can and does explain precisely and clearly what is going on with the banking system and how to navigate it properly. Here’s a video he did on Asking Questions that I feel everyone should fully comprehend.

Act early and act fast. I does no good to contact me after a court ruling has been decided. It’s not that it’s not possible to still resolve the situation, it is. The problem is that it’s beyond my comprehension as I’ve not got that far regarding matters of collection agencies. The sooner you respond, the less chance the collectors have of obtaining a ruling against you. This is because the issue hasn’t reached a stale mate yet. Most court rulings against someone occur because the claimant isn’t getting a response from the accused. As a result the courts MUST provide a legal determination that you are in fact guilty of the claim. It’s the same as in traffic court when they find you “guilty in absentia”. So act quickly and ask pertinent questions.

Debt Collector Summation

Do your research. Learn and understand what “money” actually is and where it comes from in your country. Decide how you want to use it for your own means and set personal goals. IF a debt factually exists (i.e. you factually borrowed money from someone like Mom) then settle those debts with honor. If NO debt actually exists then hold the claimants feet to the fire and resolve the claim made against you.

A note on this last point, some agencies like CBD are unscrupulous scum. They will not settle without payment and they will not prove a claim. They will continue to call and harass even decades after the alleged loan has defaulted. This is illegal in all countries I am familiar with. It’s something you’ll have to decide about. You can either live with the endless phone calls or just pay them out to get rid of them. Your choice.

Once you understand how money works, and you learn how to ask questions, you’ll also know what questions to ask. You won’t need a form letter. You likely won’t need assistance. It will become as natural as walking down the street.

One Final Word

Sure you’ll stumble as you develop this new knowledge and skill. But that is the same with everything. And that is where I’m willing to assist. I won’t do the work for you. I don’t have time in my life for that. But I will look over questions and proposals and give you my feedback on what you have done. It’s NEVER legal advise. If that is what you want then hire a lawyer. It’s just my opinions based on my experience and I have been wrong before. Bare that in mind as you consider how to deal with collections personnel.

Until next time I wish you Peace and Blessings,

Rob

P.S.  Another tip for you, CRA, the IRS and other such agencies are also scum. (I’m being nice here. Imagine what I really think of them.) You may have known that already. They as well do not prove any claims. They will not show you in law (statutes) where they feel your debt arose. And they will not bugger off until they’ve stolen what they want or you have died starving in the streets. I have no successful advise with these people other than bankruptcy. It’s just the way it is when you deal with criminals calling themselves “government”.