AboutMichael Brotherton Expertise Consumer/Debtor Rights Advocate. FORECLOSURE and LOSS MITIGATION.
Current President of Financial Emergency, inc also known as Debt Mediation & Financial Counseling. Inc,
28 years in the credit and collections industry. Former loan officer and debt collector. Managed two middle to large finance companies.
I am well versed in Loss Mitigation practices and the legal collection process. I have helped literally thousands of people overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com.
We actively promote Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. It is my opinion that the more informed you are of your rights in the credit and collections practices the more peace you can have dealing with your FINANCIAL EMERGENCY.
Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be.
Primary business- Debtor Rights Advocacy and Debt Mediation relating to foreclosure, creditor lawsuits, and other serious financial problems.
www.financialemergency.com (copy and paste in browser)
Experience Former loan officer and credit manager for two mid to large finance companies. Total years in financial services industry 28 years.
Author- Financial Emergency Kit, consumer training manual in 1995.
Organizations Former Individual Development VP for the Junior Chamber of Commerce, JayCees, for 5 years from 1989 thru 1994. Founded non-profit foundation offering "debt negotiation" and resolution of creditor legal action relating to debt.
Publications www.financialemergency.com
I personally developed a Loss Prevention and Bankruptcy Management manual for Associates Financial Services in 1997. The manual became a standard tool used in training Branch Managers.
Education/Credentials No sheepskin. I began in industry when college was not required. Went to work with first finance company in 1979, completed VA sponsored OJT program, Keystones to Credit Management 1980-1982. Promoted to Branch Manager 1983 mid size branch in Dayton, Ohio. I have been in management ever since.
Awards and Honors Many honors and awards in my field. Letters of acknowledgment of numerous accomplishments.
Expert: Michael Brotherton Date: 7/1/2008 Subject: Medical Bill Collections
Question Hello Mike,
I heard that if I was seen for Medical reasons and have a bill that is outstanding, they are not allowed to give my information to a collection agency. Would you please tell me if this is true. And if they do, Do I have any recourse with the agency trying to collect or the company that provided this information.
Thank you in advance for your help
Ron M.
Answer I am afraid this is not accurate. If the creditor decides they cannot collect their money they may assign or sell the account to a third party for collection at any time. However, it does seem to be a touchy issue which requires more thought. With privacy laws what they are you would think that without your authorization your private information is being given to others without your consent.I don't know if anyone has ever tried to use this to fight the collection agencies. My guess is that it probably wouldn't fly. But it would be something to consult with an attorney about.
