Genesis

Over the years, people have asked me how I came up with the idea for “Bill Collectors Hate Me.” The idea sprouted from numerous conversations with friends and family members about how I’d find myself in a bind and somehow manipulate my finances in such a way that I could seemingly generate money out of nowhere. I have listed a few examples:

1. I found a loophole that allowed me to access money from my 401K every few months in order to pay my $1200 rent or $600 car payment which I never had to pay back.

2. I learned how to get a full tank of gas for $1 so that I could commute back and forth to work.

3. I’ve survived on $50 for two full weeks until my next payday more times than I can remember.

When a bill collector sent me a summons in the mail, I didn’t panic. I did a little research, made a couple phone calls and prepared my answer to the summons. A few days later I was at the courthouse filing my paperwork, paid a filing fee and less than 30 days later, my case was dismissed. Some have said that I work more angles than a politician…I simply call it maximizing my resources.

Because I was becoming more and more known for maneuvering in and out of financial situations with ease, friends suggested I write a book or create a website to share my story with others who could use my assistance. Some suggested that I become an accountant. I decided a blog was my best option.

Blogging would give me a platform in which I could share my years of experience in credit and finance as well as the dark world of collections. I realized that through a blog I’d be able to teach people how to combat renegade debt collectors who think they are above the law. “Bill Collectors Hate Me” was born.