About Michael Brotherton Expertise Consumer/Debtor Rights Advocate.
Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years.
We are well versed in Loss Mitigation practices and the legal collection process. We have helped literally thousands of people over many years 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. The more informed you are of your rights and the credit collections practices of creditors 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 Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems.
www.financialemergency.com (copy and paste in browser).
Experience 28 years in financial services industry as a loan officer and debt collctor. Developed bankruptcy and loss prevention manual for large finance company for manager training. 15 years as a debt counselor and consumer advocate.
Education/Credentials Veterans sponsored OJT Manager Candidate Scool for AVCO Financial Services, Keystones to Management for ITT Financial Services, Certified Finance Management for Associates Financial Services.
Question If you live on welfare and medicaid,does that mean that you are poor but you don't live under poor conditions?
Are low income and poor the same?
But what if you have more than what you need?
Plus you have the basic neccessities?
Does this make you poor?
I don't want to be poor!
It's making me really depressed and it just makes me feel down on life and I am 13.
Answer Being broke and being poor are two completely different things. Being poor is a state of mind or an attitude. It usually implies hopelessness or a permanency to the situation. Being broke is usually temporary and is usually remedied with aspirations to improve your situation.
Being on welfare in itself does not mean you are poor necessarily. It is sometimes necessary to seek assistance to help get by until your situation improves. As long as you have aspirations to change or improve your situation and are making an effort to change things you are not poor.
I can tell you that at your age you have a long life ahead with many opportunities. Considering your attitude and that you do not wish to be poor I doubt that you will ever be poor. It is ok to seek help at times particularly when you are having trouble making ends meet or trouble putting food on the table. I am sure your parents have their reasons. Sometimes when we are young it is hard to understand what our parents are going through trying to raise a family.
There are many reasons for being poor or broke. None need be permanent. Some people do choose to remain poor while others just go through hard times. Believe me I have been penniless and hungry and depressed but God had other plans for me. I was able to overcome my situation by determination. I have never been poor but broke sometimes feels the same. Don't despair. God has a plan for you. This I promise.
Remember what Jesus said- I came that you might have life, and that more abundantly. He wasn't just talking about money or finances. He was talking about life in general. Abundant life is an attitude. Jesus didn't have a home or a bed or any material possessions but he was the richest of all men. Hang in there. God is good.
