Podcasts about Debt collection

You produced the product.They said they needed terms — “as soon as it sells, we'll pay.”But the days kept going by… and nothing came in.In cannabis, collections are brutally difficult. With limited banking and tight cash flow, cash is king. So how do you know who's trustworthy? Who's a repeat offender? And where do you even go to collect?Sadly, this scenario is far too common — and it's crushing the industry.This week we sit down with Brett Gelfand, founder of CannaBIZ Collects and the Cannabis Credit Association, to explore:How to protect your business before extending net termsWhat to do when customers ghost you on paymentHow big of an issue is this, really? Guest Links:https://www.linkedin.com/company/cannabiz-collects/https://x.com/cannabizcollecthttps://www.instagram.com/cannabiz.collects/https://www.cannabizcollects.com/https://www.linkedin.com/company/cannabizcredit/https://www.instagram.com/cannabizcredit/https://www.cannabizcredit.com/Chapters00:00 Introduction to the Cannabis Industry Challenges03:09 Brett Gelfand's Journey into Cannabis05:59 The Importance of Credit Policies in Cannabis09:11 Proactive Approaches to Collections12:12 Building a Credit Association for Cannabis14:47 Data Aggregation and Industry Insights18:01 Navigating Legal and Ethical Challenges20:52 Market Trends and Future Outlook24:30 Understanding the Cannabis Industry's Financial Challenges32:03 Navigating the Debt Collection Process39:00 The Unique Aspects of Cannabis Collections43:53 The Current State of Cannabis Debt and Collections 

Constant calls, threatening letters, and sleepless nights—creditor harassment can be overwhelming. The Law Office of Kim Covington (541-393-2790) can help you put a stop to it. Book your 1-hour consultation with Kim Covington at https://www.kimcovington-bankruptcylawyer.com/ Law Office of Kim Covington City: Eugene Address: 207 East 5th Avenue Website: https://www.kimcovington-bankruptcylawyer.com/

Debt collection in emerging markets often feels outdated, and can be costly — damaging borrower trust. As consumer lending surges and regulators push for fairer practices, legacy collection outfits are struggling to maintain pace. ClearGrid aims to help modernize debt collection — and recovery — with AI. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Financial mentors say people with debt are facing increasing levels of harassment and tactics from debt collectors that likely breach the Fair Trading Act. 

In this final episode of our Year in Review series, Chris Willis is joined by colleagues David Anthony, Stefanie Jackman, and Jonathan Floyd to discuss the year in review and look ahead for debt collection. They provide crucial updates on significant developments in 2024, including the heightened regulatory focus on medical debt at both federal and state levels, and the implications of the Consumer Financial Protection Bureau's (CFPB) uncertain future. The team also explores the impact of the Supreme Court's Loper Bright decision on agency interpretations and the increasing trend of debt collection litigation moving to state courts. Gain insights into the current legal landscape, potential future developments, and practical advice for navigating these complex issues in 2025. Don't miss this essential discussion for anyone in the consumer financial services industry.

When Luke Messac began his emergency medicine residency at Rhode Island Hospital in 2018, he noticed his patients often came to him concerned about costs. Some worried about his recommendations for them to stay in the hospital overnight. Others questioned his motives when he asked them to undergo a test, like an X-ray or MRI. A few came in way too late in the course of their illnesses out of fear of the cost. He'd heard about aggressive debt collection practices at hospitals around the country that put people at risk of profound financial and legal consequences. It made him wonder: Was his hospital doing that, too? After a quick trip to the country courthouse to examine the case files, what he found troubled him. “I was inundated with what I thought were pretty horrific cases,” said Messac, author of the 2023 book, Your Money or Your Life: A History of Medical Debt Collection in the United States. “Low-income single moms, people living on disability, recent immigrants, were facing thousands of dollars of bills and court fees and interest fees. And if they did not pay and if they did not settle their suits quickly, then they could have their wages garnished. They would be charged double-digit interest rates.”In Berkeley Talks episode 219, Messac, now an attending physician at Brigham and Women's Hospital and an instructor in emergency medicine at Harvard Medical School, discusses how the changing role of hospitals, and the passage of Medicare and Medicaid in the 1960s, transformed how medical debts are collected in the U.S.This talk took place on Sept. 17, 2024, and was sponsored by the Berkeley Center for Social Medicine at the Institute for the Study of Societal Issues (ISSI) and cosponsored by Berkeley Public Health. Listen to the episode and read the transcript on UC Berkeley News (news.berkeley.edu/podcasts) or on YouTube @Berkeley News (youtube.com/@BerkeleyNews/podcasts).Music by Blue Dot Sessions.Photo by Ahmed for Unsplash+. Hosted on Acast. See acast.com/privacy for more information.

And many of the claimed debts are old. https://www.lehtoslaw.com

Paying off tax debt can be difficult for people who are having a hard time making ends meet. And when state tax officials hire private debt collectors the methods get controversial. Michael Pope reports. 

Join Chris Willis and his colleague Stefanie Jackman as they delve into the recent amendments to New York City's debt collection rules. In this episode of The Consumer Finance Podcast, they discuss the significant changes, including communication restrictions, validation requirements, and the expanded coverage to include creditors. Learn about the implications for both creditors and debt collectors, the enforcement mechanisms, and the ongoing legal challenges. Stay informed and prepared for the April 1, 2025, enforcement date.

Get ready to uncover the intricacies of the legal system with Michael Mulligan from Mulligan Defence Lawyers as we dissect a fascinating case of breach of trust theft. Ever wondered why embezzling from an employer gets a harsher sentence than other types of theft? This episode promises to enlighten you on the significant emphasis courts place on general deterrence, especially when trust is violated. We break down the sentencing, guilty pleas, and the crucial distinction between serving time in a penitentiary versus house arrest.But that's not all! We also tackle the essential tools for debt collection—garnishing orders—exploring how creditors can secure payments even before a trial. Michael shares his expertise on maneuvering these legal remedies, their strategic application, and how to avoid the pitfalls of unpaid strata fees. Through captivating cases and expert insights, you'll learn the financial repercussions of neglecting obligations, and why responding promptly to strata fees is vital for communal harmony. Don't miss this engaging discussion that sheds light on the complexities of law, responsibility, and financial prudence.Follow this link for a transcript of the show and links to the cases discussed. 

Andrew Hubbard from the Citizen's Advice Bureau says the organisation's fielded more than 2000 enquiries this year about debt collection - an increase of more than 50 percent. 

In this episode of The Consumer Finance Podcast, Chris Willis is joined by Troutman Pepper Partner David Anthony and Rami Haddad, deputy general counsel for Compliance, Litigation, and Privacy at PRA Group. The discussion dives into a variety of pressing issues in the consumer finance sector and covers current litigation trends, the impact of the Supreme Court's overruling of Chevron in the Loper Bright case, and the CFPB's new nonbank registry rule. The episode also explores the heightened focus on medical debt collection by the CFPB and its potential implications for the industry. Tune in for expert insights and a comprehensive overview of these critical topics.

From Debt Collection to Legal Tech: Jack Gordon's Journey with WebRecon Join Michael Hammond and Dalila Ramos as they chat with Jack Gordon, CEO of WebRecon, on the FinTech Hunting Podcast. Jack shares his story of moving from debt collection to creating a game-changing legal tech company. Learn how WebRecon helps businesses spot risky customers and avoid costly lawsuits. Discover the fun side of trade show marketing, including Jack's famous "lawsuits suck" monster mascot. This episode is packed with insights for anyone in finance, tech, or legal services looking to stay ahead of the curve.

00000192-b475-d229-a3b7-b475630a0000https://www.wvik.org/podcast/good-morning-from-wvik-news/2024-10-22/ia-judicial-branch-fixing-court-debt-collection-errorsJim O'HaraIA Judicial Branch Fixing Court Debt Collection Errors

00000192-9aac-dc44-affe-dabd16930000https://www.wvik.org/podcast/good-morning-from-wvik-news/2024-10-17/iowa-court-debt-collections-under-reviewJim O'HaraIowa Court Debt Collections Under Review10

Back by popular demand: Canadian credit collector Blair DeMarco Wettlaufer! Even if you're not currently dealing with prohibited debt collectors, this eye-opening episode is captivating and informative.  Learn about your rights as a Canadian consumer, the tactics some creditors use to pressure debtors, and how to protect yourself from unethical and illegal debt collection practices. Covering key topics such as re-aged debt, prohibited collection methods, and how technology is transforming the debt collection industry. Whether you're managing debt or simply want to be informed, this episode provides essential knowledge to help safeguard your financial future. Timestamps: (0:00) - Introduction of Blair DeMarco Wettlaufer from Kingston Data and Credit (1:10) - Provincial differences in debt collection laws (2:25) - Why should creditors follow the rules? (5:15) - Common unethical creditor tactics (6:40) - Re-aged debt: What it is and how to avoid it (11:10) - Tips on making arrangements with creditors (17:25) - Predictive dialers and the impact of new technology (23:55) - Challenges with email communication in debt collection (27:45) - Are you talking to an AI collector without realizing it? (29:55) – Behind the curtain of prohibited practices in debt collection We release new content every weekday! Follow our socials for funny podcast clips, money management tips, Q+A's, and more! Hoyes Michalos Instagram Hoyes Michalos Facebook Hoyes Michalos TikTokHoyes Michalos Twitter (X)Hoyes Michalos LinkedIn Resources: Straight from the Horse's Mouth - Things Collection Agents Can and Cannot Do With The Credit Bureaus Your Top Debt Collections Questions Answered! Navigating Debt Collectors: Practical Advice Hoyes Michalos YouTube Hoyes Michalos Blog Doug Hoyes on X Find a Hoyes Michalos Office in Your Area Here Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personalized advice from a qualified financial advisor. Always consult with a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions or strategies discussed. 

In this special crossover episode of The Consumer Finance Podcast and FCRA Focus, host Kim Phan is joined by fellow Troutman Pepper partner Stefanie Jackman and Michelle Macartney, managing partner and chief compliance officer at Bridgeforce. Together, they delve into the complexities of reporting collections activity to consumer reporting agencies. Michelle shares her extensive experience in consumer reporting compliance, offering valuable insights into the challenges and best practices for maintaining data accuracy and handling disputes. The discussion also covers the latest CFPB draft rulemaking on medical debt and its implications for consumer reporting agencies, end users, and furnishers. Tune in to learn how to navigate the intersection of FCRA and debt collection as well as discover effective compliance strategies to mitigate risks in today's regulatory environment. Don't miss this informative episode packed with practical tips and industry updates!

Send us a Text Message.Unlock the secrets to financial empowerment with Nancy Greger, a seasoned wealth coach from Connecticut, in this transformative episode of the Ladies Kickin' Ass podcast. Learn firsthand how Nancy transitioned from the often-stigmatized world of debt collection to shaping financial futures with empathy and insight, thanks to the pivotal guidance of her mentor, Vivian. Through honest discussions about financial challenges faced by individuals from all walks of life, Nancy shares practical strategies like maintaining operating funds, establishing overdraft protections, and fostering open communication with debtors to achieve financial stability.Explore the nuances of financial responsibility within marriage, where Nancy emphasizes the importance of collaboration and communication between partners. Hear compelling anecdotes about balancing household finances and the necessity for women to establish their own credit and financial independence. Discover the critical role of financial literacy and family preparedness, drawing on personal stories and historical milestones to illustrate the ongoing journey toward financial empowerment for women.Finally, gain priceless insights into identifying financial habits and changing mindsets for long-term success. Nancy discusses her approach to coaching readiness, the value of consistent financial check-ins, and the empowering journey of self-advocacy. Celebrate the resilience and tenacity of women through heartwarming family stories that inspire listeners to embrace their financial independence and navigate life's uncertainties with confidence. Join us for a motivating discussion that underscores the human connection at the heart of financial services.Connect with Nancy Greger and learn more about her wealth coaching.Instagram   Website   Connect more with Tanya & Ladies Kickin Ass… Insta Facebook LinkedIn YouTube TikTok Website Join the waitlist: ⁠⁠BadAss Inner Circle

IC System, a family-owned and nationally recognized debt collection agency with 85 years of experience, can effectively help you recover revenue and ease your accounts receivable burden. Whether you're a first-time client or have previously worked with other agencies, IC System simplifies the process of sending accounts to collections. On today's episode of Closing The Books, host Eric Johannes speaks with Nate Welbig, Director of Operations at IC System, about his journey to a career in collections and how IC System's core values of Innovation, People, Integrity, Performance and Pride are demonstrated within the organization. The two discuss 1. General public impressions/misimpressions about debt collection 2. How IC System uses innovation and its people to continually evolve and perform 3. Why Tax season and maintaining good debtor relations are important"From the operations standpoint . . . it is a little different today, different resources different tools, regulations have changed" said Nate Welbig. IC System continually innovates and trains its employees to stay current with, and take advantage of, these changes. Nate Welbig, Director of Operations at IC System, graduated from the University of St Paul, Minnesota, United States. He has been with IC System for 14 years now. He is always driving innovation of debt collection infrastructure and supporting employees to ensure the company performs at a consistently high level. IC System has over 85 years of experience in medical and dental debt collection, rent recovery and other business collections. For more information, visit https://www.icsystem.com/.

In general, the debt collection industry suffers from a poor reputation. And the idea that a consumer in debt could describe their experiences working with a debt collection agency as positive is strange tomany people. Closing the Books host Tyler Kern spoke with Brian Eggert, Marketing Specialist at IC System about these various perceptions and how to best set expectations when working with a debt collection company.Eggert began working at IC System in 2001 as a part-time debt collector to help pay for college. Since then, he has moved through a variety of positions leading to a depth of experience and understanding of the debt collection industry that few people have. His experience includes working in client services, RFP writing, and marketing with involvement in every department from operations to accounting to the mailroom. At present, he is a marketing generalist writing company content including websitecopy, blogs, social media postings, and internal business communications.The conversation kicked off with a look into the debt collection industry prior to the creation of the Consumer Financial Protection Bureau. Although IC System has a proven path of ethical collecting, “the collection industry(as a whole)used to be a littlewild and less regulatedprior to the arrival of the Consumer Financial Protection Bureau,” said Eggert.Eggert spoke about his company's focus on creating a positive consumer experience, one of the many reasons for its success. IC System surveys approximately 15,000 consumers/month and averages a 95% success rate in consumers being happy with how their issue was resolved. Not only is having such a high success rate a rarity within the industry, but the company takes it one step further by investigating the other 5% to find out what did not go well. This intriguing look into the debt collection industry continues to examine how IC System has evolved to meet evolving rules and regulations, measures call quality, addresses myths of working with an agency, benefits of outsourcing debt collections, recovery rates, and much more.The bottom line at IC System, they are prepared to help consumers resolve financial issues and assist clients in recovering lost business. “We are not just there to collect money,” said Eggert.IC System has over 85 years of experience in medical and dental debt collection, rent recovery and other business collections. For more information, visit https://www.icsystem.com/.

Lee Brockney is currently the Manager of Financial Planning and Analysis Manager at IC System. After 19 years with the company, he wears many hats today. He's in charge of general project pricing, financial forecasting, cost analysis, budget, and other ad-hoc reporting. He's also an active Chairman of the Innovation Committee. He's poised to discuss the innovation within IC System and how they encourage employees to make small changes to optimize their processes.As a collection agency, they work in an incredibly competitive field. “When you combine the pricing pressure with the regulation, it's ripe for innovation. If you're not figuring out ways to do things cheaper, smarter, not harder, you're going to be in a tough spot,” said Brockney. In 2018 IC Systems launched the Innovation Committee. It's an effort to support employees to feel ownership over processes and company changes. “We're always pushing process improvement. How can I be better tomorrow with simple changes?” said Brockney. Five to ten members meet quarterly to review every idea submitted. Employees can add their suggestions to a portal. Each quarter the committee selects the idea that is beneficial to all. IC System announces the winner and presents them with a $500 gift card and IC Innovation branded swag. The four winners are invited to the Annual President's Club Award Ceremony, honoring peer-nominated outstanding employees. “The peer aspect gives credence to the recognition,” noted host Tyler Kern.In 2019 the innovations we're focused on ecological changes. The company installed water bottle refill stations, evaluated and upgraded current energy processes and lightbulbs, and invested in solar energy. There was a company-wide consensus to improve the company's relationship with the environment. In 2020, when employees began working remotely, the innovation team was inundated with new submissions. Employees were eager to find ways to connect and maintain the IC System Culture. “One idea that came out was ‘IC Clubs,'” explained Brockney. It connected people outside of work again. Today, there are still active members of clubs, including “a Movie Club, Book Club, Cooking Club, Golf Club,” said Brockney.Primarily, collectors make up about 60% of the IC System workforce. The innovations are little changes. “We're dealing with ideas around ways we can make our collections systems better, little tweaks and ideas to make their jobs better,” said Brockney. “Everything we do, we try to do it in a way that's best for those we interact with.”IC System has over 85 years of experience in medical and dental debt collection, rent recovery and other business collections. For more information, visit https://www.icsystem.com/.

Bryan Campbell, Business Development Manager at IC System talks about the options for affordable debt collection services. Key points: IC System offers an online solution based approach to debt collection. Within 24 hours InstiCollect can have debt monitoring activity. InstiCollect allows for credit reporting, skip tracing and more. IC System strives to make debt collection better. With innovation being one of the core values, IC System identified a business segment that was underserved and created a product to take what they've done for 80+ years to address this segment in a new, modern way. This new method, called InstiCollect, is a two-phased approach that allows members to get going within 24 hours - as soon as debt is placed in the system through IC System's newly enhanced client portal system. InstiCollect is available for all industries from property managers to dental practices, small physician groups, veterinarians, and law firms. Its goal is to fit across the board within each industry. IC System has over 85 years of experience in medical and dental debt collection, rent recovery and other business collections. For more information, visit https://www.icsystem.com/.

Returning guest Michelle Dove, Chief Compliance Officer and General Counsel for IC System, sits down with host Tyler Kern to discuss the changes implemented by Regulation F and how they've effected IC System as well as the broader debt collection world. “I am mainly tasked with understanding the law that applies to the collection industry and making sure that our practices are adhering to the law,” said Dove. So when it comes to understanding Regulation F, Dove is a go-to for IC System. “Regulation F is a series of rules that the CFPD introduced in late 2020 and 2021,” after becoming effective in 2021, the regulations supplement “the FDCPA,” said Dove. Dove said that while some things in the regulations aren't her favorite, “It really gives debt collectors more guidance…it really is a roadmap for IC…it tells us how to comply.” Regulation F effects how often you can call and how to report collection, among other things. The new 7-7-7 rule means that collectors can call 7 times within a 7 day period and if they talk to a consumer, then, “we can't call them again for 7 days after that,” explained Dove. Credit reporting under Regulation F has also changed, “Now, in order to credit report an account, you need to communicate with the consumer first and so, that would be sending a letter,” said Dove. For IC System, “The most focus went on changes that impact out initial notice.” While the notification was standardized before, the model sample notice given through Regulation F changed the format and information needed to adhere to this new regulation. And while bigger agencies might have incorporated changes more quickly, IC did not have any delays in service throughout the transition, just more disputes engaged from that initial notice requirement across the board. “It's still a learning process,” said Dove, but learning always means improvement. IC System has over 85 years of experience in medical and dental debt collection, rent recovery and other business collections. For more information, visit https://www.icsystem.com/.

On the newest episode of Closing the Books, a podcast by IC System - expert in all things debt collection - host Gabrielle Bejarano chats with President and CEO of IC System, John Erickson, about the challenges of debt collection for the previous years, rolling into 2023. The two discuss...1) The impact the past few years of consumers' ability to repay debts has had on the business and IC System's solutions to these challenges2) How IC System has outperformed its competitors using new communication systems despite the consumer payment issue3) What challenges the collection industry will have moving into 2023 and how IC System is well positioned to navigate these challenges“For our clients in 2023, it's going to be important for us to continue to use analytics, continue to use modelling and employ these new tools we have smartly . . . always measuring ourselves against the competition,” said Erickson.Erickson started his career at IC System as a collector, 26 years ago. Erickson has helped grow IC System into the company that it is today and was awarded the Vistage Minnesota IMPACT award in 2017.IC System has over 85 years of experience in medical and dental debt collection, rent recovery and other business collections. For more information, visit https://www.icsystem.com/.

Mike Selbitschka joined IC System fresh out of high school. Now IC System's Vice President of Operations, Selbitschka knows a thing or two about the collections industry. And the best tool he knows for measuring success is the scorecard.

On this episode of Closing the books, a podcast by I.C. System, Host, Eric Johannes, sat down with Kay Drinkwitz, a Lead at IC System. The two discussed Drinkwitz's 27-year journey at I.C. system, from her early days as a college student to her work today as a mentor for other collectors, as well as how the task of debt collecting has evolved throughout her years at I.C. System. Drinkwitz was only 18 when she got referred by her supervisor to start at I.C. System. She recalls her first years working in debt collection being intimidating, especially when comparing herself to some of the more experienced collectors. “I was very soft on the phone,” Drinkwitz explains, “I think it helped me develop a lot of my self-confidence over the years. I've grown with the job for sure.”After graduating college with a degree in Elementary Education and a minor in Mathematics, Drinkwitz found that her job at I.C. system ultimately worked best with the life changes she was experiencing at the time. Now, 27 years later what started as a part-time job in college has turned into many years of experience and fostered relationships.“I definitely could not work for a company that was not in line with my own values,” Drinkwitz explains. “We really try to put people first and that's important to me. The approach that we have always taken is to try to help people and try to do the right thing.”The two go on to discuss the evolution of debt collecting at I.C. system, such as changes in terminology like “consumer” instead of “debtor”, as well as dealing with the negative connotations associated with debt collecting and navigating through difficult conversations with consumers.For more information, visit https://www.icsystem.com/.

Debt collection rarely, if ever, has a positive connotation. Joe Erickson, Director of HR at IC System, spoke with Eric Johannes, Director of Corporate Marketing at IC System, about how this relates to the significance of creating positive culture in this sector. Erickson has worked for IC System, a family business founded by his grandmother, for 22 years. He sees the main benefit of working for a private-owned company as being able to say when something is wrong and act with integrity, even when difficult. “Our core values are something that we've stuck by, and we have held to even when it is inconvenient,” he stated. “Being a private-owned company, we're able to be more flexible, we're able to do what's right for our clients maybe more and were able to do what's right for our employees maybe more.” Because collections has a negative connotation, it's crucial for IC System to spread the message that they are trying to do good. “We're really trying to be the good guy and be an extension of our clients and treat people the way we'd want to be treated out there,” Erickson explained. This involves finding the right people to do the job and being a good steward of clients, the community, and employees. IC System creates a culture of buy-in where employees believe in their vision. “If you have people that are not living your core values, it can spoil the water and it can make it bad for everybody else. And I think that we protect that, we protect our core values, and we really don't make our people work with people that don't align with us,” Erickson said. To learn more about IC System and how they instill positive culture, subscribe to Closing the Books on Spotify OR Apple iTunes. IC System has over 85 years of experience in medical and dental debt collection, rent recovery and other business collections. For more information, visit https://www.icsystem.com/.

Is legal representation in the U.S. only for the rich and corporations? That's a question that we'll explore in this episode of Stanford Legal with guests David and Nora Freeman Engstrom, two leading authorities on access to justice and the legal profession. They'll explain the roots of the challenge, how unauthorized practice of law rules contribute to the problem, and how to address them. The Engstroms co-direct Stanford Law School's Deborah L. Rhode Center on the Legal Profession, an academic center working to shape the future of legal services and access to the legal system. This episode delves into some alarming statistics, including the fact that in three-quarters of civil cases in state courts, at least one party is without a lawyer. This alone often leads to unjust outcomes in cases involving debt collection, evictions, family law, and other areas. And that is just part of the problem, as the Engstroms explain.   Connect:Episode Transcripts >>> Stanford Legal Podcast WebsiteStanford Legal Podcast >>> LinkedIn PageRich Ford >>>  Twitter/XPam Karlan >>> Stanford Law School PageStanford Law School >>> Twitter/XStanford  Law Magazine >>> Twitter/XLinks:Nora Freeman Engstrom >>> Stanford Law School PageDavid Freeman Engstrom >>> Stanford Law School PageChapter 1: The Access to Justice Crisis in the U.S.(00:00:00) Pam Karlan introduces the episode, discussing the work of David and Nora Freeman Engstrom at Stanford Law School's Deborah Rhode Center on the Legal Profession. This section provides an overview of the access to justice crisis, highlighting the high percentage of cases where individuals lack legal representation and a look at the types of cases predominantly at issue, including debt collection, evictions, mortgage foreclosures, and family law cases.Chapter 2: Understanding the Consequences and Causes of Legal Inaccessibility(00:7:06)  David and Nora Freeman Engstrom explore the broader implications of the lack of legal representation, including the cascade of related legal and financial issues that arise from initial problems like wage garnishment and eviction. They also touch on the hidden legal issues that never make it to court due to individuals' inability to seek legal help.Chapter 3: Exploring Solutions and Technological Impacts on Access to Justice(00:10:07) David and Nora Freeman Engstrom  delve into potential solutions to the access to justice crisis, including the role of technology in both exacerbating and potentially alleviating the problem. They discuss the efficiency of technological tools used by the debt collection industry and the implications for legal access.Chapter 4: The Technology Asymmetry in Debt Collection(00:14:19 )  Pam Karlan and David Freeman Engstrom discuss how debt collectors use automation to exploit legal processes against unrepresented individuals. They highlight the stark disparity between technological access for debt collectors and individual defendants. Engstrom points out the restrictive rules that limit software-driven legal services, exacerbating the access to justice crisis.Chapter 5: The Historical Context and Current Restrictions on Legal Services(00:15:55)  Nora Freeman Engstrom delves into the history of legal service restrictions in the U.S., contrasting it with medical professions. She introduces her research on auto clubs and their provision of legal services in the early 20th century, showing how organized bar associations shut down these alternatives to preserve their monopoly.Chapter 6: Modern Innovations and Future Prospects in Legal Services(00:24:13)  The host and guests discuss recent efforts to relax unauthorized practice of law rules in states like Utah and Arizona. They explore innovative legal service models emerging from these reforms, including tiered services and AI-driven solutions, and their potential to democratize access to legal assistance. The discussion highlights how entities like LegalZoom are now able to hire lawyers and provide more comprehensive services. They also touch on the potential of generative AI to bridge the gap between legal jargon and plain language, making legal assistance more accessible to the public. The chapter concludes with reflections on the promise and challenges of these technological advancements.

Today Clark shares an important warning for anyone who has a relative or friend in a nursing home, assisted living, hospital or any other medical facility. Also - Self-checkout seemed like a great idea, until stores realized how much theft was occurring. Expect to see some changes in this area.  Medical Facilities Payment Scheme: Segment 1 Ask Clark: Segment 2 Retail Self-Checkout: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why a financial regulator is going after health care debt 3 Things to Know Before You Lease a Car TrueCar | New & Used Cars for Sale | Car Pricing & Reviews Electrek | EV and Tesla News, Green Energy, Ebikes, and more Carfax Electric Car Lease Deals Which Are The Cheapest Electric Cars To Lease? How to Shop for Lower Car Insurance Best Auto Insurance Companies and Some of the Worst Best And Worst Homeowners Insurance Companies Submit a complaint | Consumer Financial Protection Bureau New York Post: Target to limit self-checkout to 10 items as stores trend away from the technology amid concerns of theft New York Post: Dollar General drops self-checkout at hundreds of stores to reduce theft 5 Reasons Sam's Club Is Better Than Costco Getting a Ton of New Credit Card Offers? Here's What You Need To Do Should I Freeze My Credit With Innovis, SageStream, CoreLogic and LexisNexus? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Blair DeMarco-Wettlaufer, the Chief of Operations Officer of Kingston Data & Credit joins Doug to discuss the consequences of unpaid debts and their impact on your credit score. They look at real-life scenarios and provide practical advice to manage your credit report.  They also discuss what collection agents can and cannot do when it comes to reporting your debts to the credit bureau and how to dispute old debts, so they don't affect your credit. Timestamps: 00:00 Introduction 01:45 If you don't pay a collection agent can it affect your credit score? 04:33 The Statute of Limitations Act. 05:30 The Credit Bureau. 09:45 How and when do collection agents report to the credit bureau? 16:20 What collection agents cannot do when reporting to the credit bureau. 18:14 Can a collection agency remove a debt from your credit report? 23:24 What happens if a collection agency keeps calling the wrong number? 26:07 How owing a collection agent can affect your credit score. 27:43 Practical advice from a collection agent. 34:05 How to reach out to Blair DeMarco-Wettlaufer.   Related Links: How Old Tickets and Fines Can Destroy your Credit Score:  https://www.hoyes.com/blog/how-old-tickets-and-fines-can-destroy-your-credit-score/ 'Insanely old' city ticket wreaks havoc on Ottawa man's credit score: https://www.cbc.ca/news/canada/ottawa/insanely-old-city-ticket-wreaks-havoc-on-ottawa-man-s-credit-score-1.7141166 Long-forgotten fines won't linger on credit records, city assures residents: https://www.cbc.ca/news/canada/ottawa/city-of-ottawa-parking-ticket-debt-owed-collection-credit-score-1.7152329 Blair Demarco-Wettlaufer's Blog “Receivable/Accounts - Information for Credit and Collection Issues”:  https://receivableaccounts.blogspot.com/   Legislation Links Cited in the Podcast:   Collection and Debt Settlement Services Act of Ontario: https://www.ontario.ca/laws/statute/90c14   The Provincial Offenses Act, section 76: https://www.ontario.ca/laws/statute/90p33#BK105 The Limitations Act of Ontario sets a basic limitation period of two years: https://www.ontario.ca/laws/statute/02l24#BK16 The Consumer Reporting Act of Ontario: https://www.ontario.ca/laws/statute/90c33#BK11   Blair Demarco-Wettlaufer's Previous Appearance Links on Debt Free in 30: Episode 20 – January 17, 2015 - Stop The Collection Calls: Advice from Blair Demarco-Wettlaufer: https://www.youtube.com/watch?v=0tsrKacdx4U Episode 57 – October 3, 2025 Collection Agents: How Did They Find Me?: https://www.youtube.com/watch?v=0SMU1R5N0ms Episode 70 – January 2, 2016 – Top 10 Tips for Dealing with a Collection Agent: https://www.youtube.com/watch?v=736J-IefWrI Episode 264 – September 21, 2019 - How to Negotiate With a Collection Agent: https://www.youtube.com/watch?v=ZgNWpKfBUwU  Episode 296 – May 2, 2020 - Dealing with Collection Calls in COVID-19: Debt Negotiations, Deferrals, and Credit Report Impact: https://www.youtube.com/watch?v=S86gnBEkeUY  Episode 373 – October 23, 2021 - Your Top Collections Questions Answered by a Debt Collector!: https://www.youtube.com/watch?v=Ue8gFE2Z48w Episode 477 – October 21,2023 The Messy World of Debt Collection and Statute-Barred Claims: https://www.youtube.com/watch?v=6uN82x3ts1k&t=115s

A scathing review of the tax office calls on government agencies to act more fairly when they chase people for debts.

A scathing review of the tax office calls on government agencies to act more fairly when they chase people for debts.

Paid in full.CW: Gore, monster/animal attack sounds, death by monster, pregnancy, birth of a child.Written by Cam Collins and Steve ShellNarrated by Steve ShellSound design by Steve ShellProduced and edited by Cam Collins and Steve ShellIntro music: “The Land Unknown (The Bloody Roots Verses)” written and performed by Landon BloodOutro music: “Atonement” written and performed by Jon Charles DwyerSpecial equipment consideration provided by Lauten Audio.To learn more about Old Gods of Appalachia, visit our website at www.oldgodsofappalachia.com, and be sure to complete your social media ritual and follow us on Facebook and Instagram @oldgodsofappalachia, or Twitter and Tumblr @oldgodspod. If you'd like to support the show, you can join or Patreon at www.patreon.com/oldgodsofappalachia, or support us on Acast at supporter.acast.com/old-gods-of-appalachia. You can also find t-shirts, hoodies, mugs, and other Old Gods merch in our shop at www.teepublic.com/stores/oldgodsofappalachia.Transcripts available on our website at www.oldgodsofappalachia.com/episodes. Get Build Mama a Coffin, Black Mouthed Dog and other exclusive content on Patreon!Support this show http://supporter.acast.com/old-gods-of-appalachia. Hosted on Acast. See acast.com/privacy for more information.

Debt collection companies oftentimes don't have good reputations. But they do provide a necessary service or they wouldn't exist. Sometimes, a company needs help collecting bad debts and sometimes the person or company owing the debt needs an affordable payment solution.

With lawmakers in Salem having wrapped up their work, we take a look at a couple of legislative developments that perhaps you have not heard about, but which could make a big difference in the economic well-being of many Oregonians.We begin the show by discussing legislation that better protects Oregonians from unfair debt collection practices. Chris Coughlin, Policy Director at Oregon Consumer Justice, talks about the just-enacted Family Financial Protection Act.In the latter half of the show, Candice Vickers, Executive Director of Family Forward Oregon, discusses an effort to get the legislature to put sufficient resources into a vital state child care program, Employment Related Day Care.

Peter Wilson explains dealing with unsecured debt. About my Guest: Ex Royal Navy gunner and armourer, turned professional fighter. Owned and ran own martial arts gym for about 30 years. Always been aware of something not being right in the world, went deep into it after losing over £1million of property in 1 week including own home. So been up and been down even living in a car for a while with his wife Janine and 4 dogs.   --------------------------------------------- Thanks to my Sponsors for Helping Support me: If you or know some body you know is struggling with anxiety and want to know how to be 100% anxiety free, in 6 weeks, without therapy or drugs, fully guaranteed - then let me tell you about our sponsor Daniel Packard. His research company spent 8 years testing to develop an innovative process that solves your anxiety permanently in just 6 weeks - with an astounding 90% success rate.  Because their program is so effective, people who join their program only pay at the end, once they have clear, measurable results. If you're interested in solving your anxiety in 6 weeks - fully guaranteed  - and you want to learn more and have a free consultation with Daniel, go to https://www.danielpackard.com/ -------------------------- Do you have High Blood Pressure and/ or want to get off the Meds Doctors are amazed at what the Zona Plus can do $50 Discount with my Code ROY https://www.zona.com/discount/ROY ------------ Speaking Podcast Social Media / Coaching My Other Podcasts ⁠https://bio.link/podcaster⁠ ------------------ What we Discussed:   - The effects of the Debt Side ( 2 mins) - How Credit is Created ( 4:30 mins) - Debt Collections bidding for Debts (12 mins) - How to get the 3rd Party debt collection agency to stop ( 18 mins) - What details you must request ( 21 mins) - How can Baliffs Freeze Accounts ( 30 mins) - Legality of blacking out information (38 mins) - Corrupt High Court Corruption (41 mins) - Freezing Bank Accounts (44:30 mins) - Conscription (50 mins) - School Indoctrination (53 mins) - UK Election where the corrupt attack the fighters (59 mins) - More people are becoming Aware (1 Hr 4:30mins) - All leaders pushing agenda and then denying it ( 1 hr 7 mins) - Electric Car lie ( 1 hr 10 mins) - Welsh Minister trying to stop Farming (1 hr 14 mins) - Big Climate Change Fraud ( 1 hr 16 mins) - Maui Fires & Blue Roofs (1 hr 20 mins) - Question the Scientists (1hr 22mins) - Military Men Refugees ( 1 hr 24 mins) - The stupidity of collecting documents from on government office to bring to another ( 1 hr 29 mins) -   and more   How to Contact Peter:   https://www.claimyourstrawman.com/   https://www.youtube.com/channel/UCne3h6d7qH2hLTG4lalSVCg   https://linktr.ee/PeterWilsonReturnToDemocracy   ------------------------------ More about the Awakening Podcast: All Episodes can be found at www.awakeningpodcast.org All Social Media + Donations link https://bio.link/podcaster   Our Facebook Group can be found at https://www.facebook.com/royawakening  

Sharpen your financial acumen as we delve into the often nebulous realm of business finance, with our special guest, Ty Grady. Our enlightening conversation will help you understand why it's absolutely crucial to not only educate yourself about finances but also to establish a sturdy financial foundation for a thriving business. Whether you're a novice entrepreneur or an experienced one, we'll walk you through a myriad of effective strategies such as creating a budget, evading debt, low-cost entrepreneurship, and the significance of having the right people around you. Brace yourself for an exploration into some of the most effective strategies for managing debt and enhancing your credit scores. We're offering some practical, tried-and-true advice on how to tackle that daunting debt, featuring methods like the snowball and avalanche techniques. We also discuss dealing with debt collections and the importance of keeping your credit report updated. Peppered with personal anecdotes and experiences, this session encourages you to take the reins of your financial health. Stay tuned for some crucial insights on debt collection, the ripple effect it has on your credit score, and the urgent need for open money talks within families and communities.Support the showThis episode is NOT sponsored. Some product links are affiliate links, meaning we'll receive a small commission if you buy something. =========================== ⚡️PODCAST: Subscribe to our podcast here ➡ https://elevatemedia.buzzsprout.com/ ⚡️LAUNCH YOUR SHOW: Let's get your show off the ground and into the top 5% globally listened to shows ➡ https://www.elevatemediastudios.com/launch ⚡️Need post-recording video production help? Let's chat ➡ https://calendly.com/elevate-media-group/application ⚡️For Support inquires or Business inquiries, please email us at ➡︎ support@elevate-media-group.com Our mission here at Elevate Media is to help purpose-driven entrepreneurs elevate their brands and make an impact through the power of video podcasting. Disclaimer: Please see the link for our disclaimer policy for all our episodes or videos on the Elevate Media and Elevate Media Podcast YouTube channels. https://elevatemediastudios.com/disclaimer

In this episode, we answer questions related to being tactical when you respond to your debt collection lawsuit. We address concerns about the process and the duration of what it takes to get through the stages of the lawsuit. Let's go Slayers! ------------------------------------------------------------------------------------------

In this episode, we talk about how to Slay your Debt Collection Lawsuits. We talk about the 3 essential parts that prepare you to win your case. Part 1 is an overview of our Strategic Implementation Formula. Part 2 talks about the importance of consuming our education. And Part 3 discusses how to build your confidence so that you don't become prey to the Debt Collectors and other lawyers looking for an easy payday.   Slayer Beware: Be sure to listen to the story about what happened when the client was not prepared. SMH   -----------------------------------------------------------------------------------------------------