This post is intended to provide a forum for ZipDebt clients to post comments about their experience with the program. Recently, I spoke to a person interested in my program, and they told me that they didn’t bother to read any of the testimonials on my site because “everybody fakes testimonials.” Well, that’s probably true…

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Continuing our discussion on “Crazy Stuff Collectors Say,” in this post I’ll deal with a common statement made by collectors. In the first post in this series, I wrote about the myth of “bankruptcy insurance,” where the collector attempts to convince the debtor that the creditor actually *prefers* they just go ahead and file bankruptcy,…

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Three of my previous posts were on “Crazy Stuff Collectors Say.” In case you missed those posts, here are the quick-links to the previous articles: Crazy Stuff Collectors Say – Part I Crazy Stuff Collectors Say – Part II Crazy Stuff Collectors Say – Part III I wanted to follow up on this theme, because…

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People keep trying to reinvent the wheel when it comes to debt negotiation and settlement. It’s not rocket science, and there are really only a few simple principles that need to be followed to avoid problems. It’s the fancy footwork and dodgy tactics that cause all the trouble. Here’s a good example. Recently, I’ve been…

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