Our Journey

My journey into the debt world first started when I met my wife and now partner Dana. Before we met, I accrued a lot of debt that went into collections because I was not budgeting and focusing on how to use my money in a way that would set me up for financial stability in the future. When my wife and I met, I knew that had to change. If I wanted to start a life with her, I had to get my finances under control so I could go into our marriage with peace of mind. I knew that having a good credit score was necessary and would give us both peace of mind for our future together. 

So I looked into the process of cleaning up my credit. First, I looked up my tri-merge credit score. Having all three reports are essential because one credit report does not always show all of the outstanding debt you may have! It is vital to look at the tri-merge because it shows all 3 of your credit scores and all of the debt you have on your report. Next, I went through my credit report with a fine-tooth comb and made a list of all the accounts I had in collections. Organized the file with the account information and the phone number for each collection agency and started to call and negotiate! Once I had them on the phone, I negotiated my way to an agreeable settlement amount! In the end, I paid about 90% less than I owed originally! Getting to this settlement amount was possible because the collection agencies pay for this debt for pennies on the dollar, so any amount is profit for them. 

Now that my settlement amounts were finalized, I requested a written receipt for each account, showing I had settled everything, and within two months, my credit score skyrocketed because I no longer had outstanding debt on my credit report. I had also freed myself from the daily harassing collection calls! This was the peace of mind my future wife and I were looking for! It was the most amazing feeling! I was finally on my way to financial freedom and stability! 

Now that I had completed this process for myself, Dana and I began to share the news of my amazing accomplishment with our friends and family. Some of them had debt also and asked me to complete the same process for them! It can sometimes be intimidating to call these debt collectors on your own, and they knew that I had years of experience with phone sales. This was the reason I was so comfortable approaching the debt collectors on my own! I agreed to help them out and was able to get them all out of debt as well! Dana and I knew right then and there that we had something we could turn into a business, and the rest is history! 

More recently, we have started to focus our efforts on educating our clients on their ability to budget, handle debt on their own, apply for loans, deal with bankruptcy and enter into debt relief programs they can trust. Our educational blog will lead you in the right direction for all of your financial needs! Debt Blogger is here to help you navigate your way to financial freedom and success, no matter what path you need to take to get there.