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Debt Collection

The Ludicrous Concept of Debtors’ Prison

Published January 28, 2013 by Erin B. Shank, P.C.

Once upon a primitive time, an unpaid debt was considered a crime. Because of this, some medieval justice systems imposed laws allowing debtors to be imprisoned for failure or inability to pay what they owed. Thanks to modern laws, primitive…

Myths about Debt Collections and Bankruptcy

Published August 30, 2012 by Erin B. Shank, P.C.

As a consumer, you have the right to be informed. Often debt collectors will tell you incorrect things about debts and bankruptcy – they are your enemy – they can not give you legal advise. Debt collectors can be intimidating. You…

Debt Consolidation Is Never The Answer

Published August 10, 2012 by Erin B. Shank, P.C.

When I first started writing these blogs, I was asked to consider writing a blog on why debt consolidation could help people with financial problems. I can not do that. I have been advising clients for 30 years on how…

Tips for Dealing with Debt Collectors

Published July 17, 2012 by Erin B. Shank, P.C.

Debt collectors will do whatever it takes to get a payment from you on a past due account. They will call you constantly, even calling relatives or neighbors in an attempt to collect debt. Most are paid a high commission…

The Truth Behind Debt Collectors and Collection Agencies

Published November 29, 2011 by Erin B. Shank, P.C.

A Debt Collector is not trying to help you. They are not trying to work things out or come up with a plan you can live with. They just want your money. They are working on a commission and they…

Beware of “Debt Settlement Companies”

Published October 21, 2010 by Erin B. Shank, P.C.

The lead article in the Economy Section of the June 18, 2010, issue of the New York Times offered a revealing insight into the practices of the “debt settlement” companies. Debt settlement companies state that they are positive alternatives to filing a…

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