AboutMichael Brotherton Expertise Consumer/Debtor Rights Advocate.
Current President of Financial Emergency, Inc FKA Debt Mediation & Financial Counseling. Inc, a debt mediation service.
30 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 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. 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 23 of last 30 years. I have been a debt counselor and mediator since 1992. Current owner of Financial Emergency, Inc. A Debtor Advocacy organization. I also have a radio program called "Financial Emergency" where I routinely answer call in questions from listeners about credit, debt, and the collection system. My emphasis is on "Consumer/Debtor Protection" and the collection process.
Education/Credentials Many years hands on experience. No formal eduction other than Finance and Credit Management training through former employers where I managed two rather large finance companies.
Awards and Honors Numerous letters of recognition from previous employers for excellence in my field.
Expert: Michael Brotherton Date: 3/15/2008 Subject: Theft of Property Real and Personal
Question NJ- How can I have money returned that was taken illegally by banks and
also several debt collectors? This includes several homes.
There were no contracts/debts/pledged security interests. This is criminal.
The attorneys know this as well and so does the bank employees, but while
it appears that the CEO's are aware and even authorized, they do not,
Do I just go with the facts established and what process is best to demand
they appear in court and bring proof of claim? This is a story that will shock
anyone that hears it, and I have to seek remedies now.
Since it is done, providing proof should not require any effort, but since it
does not exist, after this is exposed the rest is damages which the numbers
just as established by laws, without actual or punitive are more than anyone
would know what to do with.
I have not had success in reaching the Chairmen and executives, and have
tried for almost 3 years. Having a 26 year banking career and a senior
executive I have expertise and knowledge that only this level has the ability
and authority to resolve this, and was the same from the time of discovery.
Now, it is a matter of proceeding with implicating this level in crime.
THis actually is what should be done, but why should more families fall
victim to the same few people that my family did? I don't know of any other
choices at this time, and not sure the best way to get the first part resolved,
I need my homes returned and compensation for damages where they are
available based on decided issues.
Joan Hogan
Answer You may want to contact your state attorney general and file a complaint. You may also petition the court to reopen this case and have a hearing on the legality of the process. You may also need an attorney. Someone aggressive and consumer oriented.
Contact your local media or even a national news program. Make some noise.
Get on line and locate the companies public relations officer. Put your complaint in writing with as much detail as possible. Send a certified letter, restricted delivery directly to the appropriate parties with copy of your letter to the PR officer, CEO, State Attorney General, Dept of Commerce, Federal trade Commission, and any other regulatory agency governing the bank or creditor. Again, make some noise. Hit them from every angle possible and see what happens.
This is what we do here at Financial Emergency, Inc. You have rights! Enforce them!
