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, a debt mediation service.
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 28 years. I have been a debt counselor and mediator since 1992. Current owner of Financial Emergency, Inc. A Debtor Advocate 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 27 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.
Question Hi my name is yvette and I was on your website today because i have been getting harassing phone calls for the last month from a guy who does not speak english well stating he is calling from us national bank and i owe them money for a payday loan i took out back in july 2005. they will not give me any information and when i say who do i pay they tell me to go to a moneygram place and they will give me the information then. They have harassed my office manager and coworkers saying that there families are going to die and they are going to send investigators to arrest me. One time they said come outside our investigators are here to arrest you. I did take out a payday loan and it has been paid if i owe anything all i want is information and to talk to the company i need to pay. Can you help me please.
Answer This is definately a scam. Do not panic. They cannot do anything to you. They are just trying to scare you. You should report them to the state or local police or attorney general. They are a menace and I am being flooded with calls. If they call back try to record them if possible. But make sure you report them to the authorities.
