My Successful Payment For Deletion Story

In November of 2006 I had to go the the Emergency Room. My insurance didn't cover about $252.00 of the bill. I never paid the bill and it went to collections.

It was returned to Mountain Land Collections and Attorney Quinn Kofford to collect on it. I received the initial collection notice to which I responded with a validation of the debt request. They sent a copy of the signed medical admission papers that I signed. They then served me with judgment papers to which I responded to the court directly with a statement that stated I was made to sign under duress in order to get the medical attention I needed, and that because I was under duress I should not be held liable for the bill.

I was later served with a pretrial notice because I responded to the judgment. I appeared at the pretrial hearing and the Law Office of Quinn Kofford and his assistants were there. There was a good group of us debtors in the waiting area outside the court room. Quinn asked how many of us were there for Mountain Land Collections, about 10 or so people raised their hands. They then numbered us off and had us go off into a little side-room, where they Pretty much tried to muscle us into "lets make a deal". They were wanting to get payment arrangements of like $25.00 per month set up etc. I sat down with one of the female assistants and she right away tried to make a deal with me. I promptly told her that I was not going to pay the debt because I don't feel I am responsible for the debt. She proceeded to question me along the lines of "so you don't think you should pay for medical services rendered to you?" I responded I didn't have a choice, I could have died or sign the consent. I kept on refusing to make a deal with her. She threatened to take this to trial, I indicated that I really didn't care if it went to trial, I am not going to pay this debt. She got frustrated and referred me to the attorney.

So Quinn sits down next to me and is trying to make a deal with me. I still refuse to make a deal with him. Then he says that I need to understand that he is the opposing attorney and after looking at my case, and what my argument is, he will win if this goes to trial. I acted indifferent still. He then said he could discount his fees and interest and make a payment deal. I told him that the only way I was going to pay anything is if I was to get a payment for deletion agreement first. He asked what that was. I explained the process to him. and I also told him that I work in the credit repair industry. He wasn't sure that it was possible, I assured him that it is possible and I explained exactly how it works.

I also told him that the marks on my credit report are already at an R9 which is the maximum damage it can get. he agreed, And I let him know that there really isn't any motivation for me to pay if that won't change. He agreed. He said he will present the idea to the creditor and see if they are willing to agree to the payment for deletion. He also told me that he has been doing this for 15 years and he has never heard of this approach before.

Today I got a call from their law office, I returned their call, and they said that they are willing to do the payment for deletion agreement AFTER I pay them in full. I refused that deal. I told them that I need the agreement first or else how am I to trust that you will delete it after the payment has been made? She said that If they say they will do it, they will do it. I disagreed. She then told me that "I'll talk to my office manager about it, but it looks like it will go to trial". I said Ok.

They called me back about 20 minutes later and they said that they would agree to put a paragraph in the repayment agreement that states that upon repayment they will agree to delete it off of my credit reports. I said great.

So now I am awaiting the deal to come in the mail to sign and deliver back to them.

What I learned is that if you are served with a judgment, it is to your advantage to respond to it and at least state your side of the story. I also learned that the attorney will schedule all of his collection accounts to appear at the court at the same time to save them hassles of returning multiple times. I also learned that they will then hustle you for a quick and easy deal that usually only benefits them. I also learned that if you don't understand how the credit and collections game is played and if you don't understand your consumer rights, the collectors will walk all over you to their advantage. I also learned that if you go in to the court or negotiating arena knowing exactly what you want to get out of it (in this case, payment for deletion), and hold your ground regardless of their intimidation, it's likely you will succeed with achieving your goal.

It is definitely not for the faint of heart, but it works.

Is America Looking The Wrong Direction AGAIN?

The economy is on its knees, begging for mercy. Our financial institutions are in falling like flies. American's trust in the economy and trust in the government are at an all time low.

Do we realize that we are now primed for a devastating terrorist attack? Is America ramping up its vigilance? Is national security on people's minds? My prayer is that I would hope so. But since I haven't heard any news or any rumors at all about keeping up our national security, my fear is that we are sitting ducks, primed for a far more devastating terrorist attack than September 11. What better opportunity would a group have to attack a country they hate? Hitting us when we are on our knees financially, I'm afraid, could tip us into a full-blown depression; and ruin our country.

America is notorious for being a reactive rather than being a PROACTIVE nation. The proof is in front of us every day. We have known for years that the sub prime mortgages were going to catch up to us someday, yet we did nothing about it, until the bottom fell out of the market. Now we are in REACT mode trying to fix so many years of bad judgment and shoddy financial products. Prior to September 11, America knew of Osama bin Laden. Had him in our sites even. We were not proactive. We all know how that turned out.

I am afraid that we are in an extremely vulnerable position now for devastating terror attacks. America, I believe, is more concerned with the current economic crisis and is completely oblivious to another potential 9-11 scale of attack.

Now is the time for American vigilance. Now is the time to ramp up security. Now is the time to be looking at the "unimaginable" scenarios- looking where we have never thought to look before.

Now is the time to pray we are not attacked.

Don't Forget To Cut Uncle Sam In On Your Illicit Earnings

Note: I am not condoning in any way illegal activity. The following post is based on my observations.

Enter our "poster-boy" for criminal tax evasion: Alphonse Gabriel "Al" Capone (January 17, 1899 – January 25, 1947).

Capone was notorious during the Prohibition Era for his control of large portions of the Chicago underworld, which provided the Outfit with an estimated US $10 million per year in revenue.

Although never successfully convicted of racketeering charges, Capone's criminal career ended in 1931, when he was indicted and convicted by the federal government for income tax evasion.

Interesting to note: his business card reportedly described him as a used furniture dealer.

Forward to present day:

If you're going to be dealing in drugs, sale of stolen goods, extortion, or any number of illegal business ventures, make sure your wealthy lifestyle is congruent with what you claim as your employment.

Here's where your problem lies: The last job you had was flipping burgers at McDonald's, and you haven't filed a tax return in 5 or 6 years, but you're living in a million dollar house, driving a $75,000 Hummer.

When your county tax assessor comes around to measure your house for property tax purposes, these lifestyle vs income "incongruencies" will be made obvious. How will you be able to rationalize to the IRS how you are living this wealthy lifestyle when the last job you filed taxes on was a burger flipper. Good luck with that one!

The solution:

Get organized and pay your taxes! With getting organized, Set yourself up as a legitimate business. File you Articles of Incorporation to create a corporation. or file Articles of Organization to create an LLC (Limited Liability Company). This will also separate you legally from your "business assets". If you have dealers, runners, spotters, etc. set them up as "employees" create an ADP account for payroll. Remember, most of your outgoing expenses will be tax-deductable; which will minimize the actual amount you pay to the IRS. File your quarterly and annual taxes on schedule and accurately.

My point in all this is you can pretty much deal in anything you want as long as on paper you appear legitimate. At least it will divert the gaze of Uncle Sam.

Oh yeah, don't forget to read up on the RICO (Racketeer Influenced and Corrupt Organizations)act of October 15, 1970. It's the law that Rudolph "Rudi" Giuliani used to bring to justice key organized crime figures. Regardless of how "legitimate" you look on the outside and on paper, you could still be hit with a RICO suit and thrown in the clink for a good long time!

When all is said and done, DON'T BREAK THE DAMN LAW!! you'll always lose eventually.

Whose Dreams Are You Working For Anyway?

I don't know about you, but when I wake up the first thing that I think is NOT "oh wow, how can I make my boss more money today?" It's probably more like "oh hell, I gotta go to work again today so I can pay the bills".

One of my favorite authors and speakers, Jim Rohn, has a saying: "Work harder on yourself than you do on your job. If you work hard at your job, you can make a living. If you work hard on yourself, you can make a fortune."

When is the last time you knew of a really wealthy EMPLOYEE? It's been a while hasn't it? Or if you're like me, NOT AT ALL. The business you work for will pay you just enough to survive, pay the bills and that's about it. I suppose if you were an avid investor of stocks and other securities, you might be able to become wealthy. Probably after about 30 years or so.

I finally realized this fact and began asking myself the question, "whose dreams am I working for anyway?" I have done a ton of reading, listening to seminars, soul-searching and questioning. Then I started writing. I first wrote "The 25 Rules For Success, Wealth & Happiness." This book that I have been selling successfully is basically the 25 common laws of success and achievement. These are the rules that have been constant since the beginning of humanity and intellectual thought. They are as true then as they are now.

Then I started studying business and entrepreneurship and started creating small business ventures and really understanding how business works. I then started writing a book about how to create your own business. I found that the help and training I received from the Small Business Development Center was a good start but it was really sub par and I needed much more information, I read and studied for years and got the knowledge I was seeking. I added all of that information in the book, "Self Employment 101."

By the way, all of the E-Books I have written are available to check out from this site.

In the end, I was able to successfully shift my paradigm (the way I see the world)from being an EMPLOYEE, to being a BUSINESS OWNER and have been very successful at it.

Nothing will change for you until you start to seriously ask yourself, "whose dreams am I working for anyway?"

If you're not completely clear on what you want, check out some of my E-Book resources on this blog.

All Of Our E-Books Have Been Price Slashed!

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All of our e-books have been reduced in price. This is a TEMPORARY PROMOTION ONLY! We are new on the blog scene and we want everyone to check out our site and to sample our E-Book catalog. We encourage you to place comments on everything about this site, POSITIVE and NEGATIVE comments are welcomed.

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Sell The US Presidency On Ebay....Why Not?

Presidential elections. Big Deal! So I'm still wondering why my vote is sooooo important? The fact is that your vote for president isn't worth the paper its printed on or nowadays the wiring the electronic ballot is transmitted through! I happen to come from a state where 5 old white men get to "decide my popular opinion/vote". I am referring to the Electoral College system of voting in a new president.

Here are some shocking FACTS:

In the elections of 1824, 1876, 1888, and 2000, the candidate who received a plurality of the popular vote did not become president. The 1824 election was eventually decided by Congress and thus distinct from the last three which were decided without. It has also been argued that the 1960 election was lost by the candidate receiving the most popular votes.

Source-Wikipedia, the free encyclopedia

So what they are telling us is, "hey pal, your vote is just a popular opinion poll. We wouldn't leave such an important decision to the commoners." After all, its relatively easy to BUY OFF the few votes needed in the Electoral College. It is a proven flawed and corrupt system. So I would love for one of the presidential candidates to answer truthfully, the question of why should I vote for a president when, in the end, the Electoral College makes the final decision anyway, regardless of the popular vote?

Ok then, let's take this to the next level. Apparently, one of the MAJOR success markers of a campaign is in the amount of fund raising, I know this because we all see in the news reports dollars raised by candidates. It also seems that the candidates who are able to raise the most money typically win the election. So let's just go down this "slippery slope" for a minute. If our vote obviously means nothing, and the person who raises the most money typically wins, then, hell, why not just cut-to-the-chase and use Ebay auctions to choose the next president?! The candidates wouldn't have to waste their time running all over the country in this huge fervor drumming up votes that don't count anyway. No fund raiser luncheons or dinners. They would simply post a $2.50 auction on Ebay, present their political platforms in the Product Description and all of the corporations and special interest groups that fund these campaigns anyway could sit comfortably in their offices and "buy" the president. Because "buying the president" is what they are doing anyway when they donate large sums of money to a campaign, my proposed method is just simply saving them from having to leave their office at all.

So as we sit back in our easy-chair watching all the posturing between candidates going on before our eyes, on the evening news, just remember: your presidential vote means nothing, cash is king and the whole deal could be completed in a weeks time, with the same outcome, with a simple Ebay auction

Sports Fans Who Act As Though They Own The Team

I'm not a sports fan AT ALL, but I find it very amusing to observe die-hard sports fans. A few things I have noticed of them:

They tend to talk as though they OWN the team, I was listening to the radio today and they were commenting on things such as "our offense____", or "we lost (a players name)". I really don't understand this mind set. They also know the teams line up like the back of their hands, they have their stats memorized, then they proceed to debate that "their" team is going to cream this team or that team because (then they proceed to quote players on injured lists, poor performers or whatever). Ya know, they act as though they are an independent PAID consultant for the team and that their knowledge base actually matters to the game! I have gotten many-O-days of silent laughter as the break room debates rage on about one team or another.

So here's my take on the whole sports [over] enthusiast debate: "Fellas, these athletes are HUMAN not machines. They don't have a list of 'specs' from the factory on the box or, in this case, tattooed on their ass. So your star player breaks their thumb in some crazy play. Oops, I guess all your fervent debate was all for naught. Or what if they are in the middle of a nasty divorce or a family member just died? Those things could throw a game WAY OFF. Oh yeah, and most importantly, ITS JUST A DAMN GAME!!! I mean, I have no problem with people enjoying the sport for pure enjoyment sake, I don't even have a problem with people gambling on game outcomes, but I do laugh my ass off when people get in such fervent debates as though they have a direct phone line to the team manager as if their strategies, debate and posturing even matter to the team.

So just save your breath, your time and most of all, your blood pressure and just enjoy the game for what it is--- A GAME!!!