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.
Question I received an order on motion for telephonic appearance at pretrial conference. I have never heard of the plaintiff, Financial Independence Svcs. Corp or their attorney. I have not received any notices or requests from payments from them. There is nothing attached to the notice to tell me what the debt is. Can I send a certified letter to the attorney asking what the debt is and if so, must they respond before the conference? I am in FL and the conference is scheduled for August 6th. Thank you for your help.
Answer Yes, send your response to the courts and the creditors attorney and demand evidence you owe this debt. Request a hearing and although you can participate in the pretrial tell them you are not interested in a settlement as you do not owe this debt. Fight the case.
