Creditors and Bankruptcy/Expert Profile

Michael Brotherton

U.S.
Unavailable
Expertise

Consumer/Debtor Rights Advocate. Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years. We are well versed in Loss Mitigation practices and the legal collection process. We have helped literally thousands of people over many years 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. The more informed you are of your rights and the credit collections practices of creditors 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 Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems. www.financialemergency.com (copy and paste in browser).

Experience in the area

28 years in financial services industry as a loan officer and debt collctor. Developed bankruptcy and loss prevention manual for large finance company for manager training. 15 years as a debt counselor and consumer advocate.

Education/Credentials

Veterans sponsored OJT Manager Candidate Scool for AVCO Financial Services, Keystones to Management for ITT Financial Services, Certified Finance Management for Associates Financial Services.

Average Ratings

Recent Reviews from Users

Read More Comments

    K = Knowledgeability    C = Clarity of Response    T = Timeliness    P = Politeness
UserDateKCTPComments
Bob05/06/0910101010 
David04/23/0910 
Jennifer03/05/0910101010Thank you very much for your answer .....
Shelly03/05/0910101010Thank you so much Michael, we know .....
Mary02/22/0910101010Thanks for the advice. Will follow through .....

Recent Answers from Michael Brotherton

2009-05-10 Car Finance Company (Ford Fairlane Credit):

First with regard to the foreclosure it is not too late to fix the problem. 99% of mortgage companies have workout programs that will give you a fresh start. I can help with this if you need help. Call

2009-05-06 Poor?:

Being poor is a state of mind. Many have very little but a rich in spirit. I'm not trying to be philisophical or spiritual. I want you to understand that we sometimes create our own prisons by our attitude

2009-05-05 Creditor Bank Levy:

Do they have a judgment? Also, why would you have a hearing in Indianapolis if you live in Chicago? Federal law says they have to sue you in your county where you live. If they sued you in another area

2009-05-05 Poor?:

Being broke and being poor are two completely different things. Being poor is a state of mind or an attitude. It usually implies hopelessness or a permanency to the situation. Being broke is usually temporary

2009-05-05 Collection Agency scam:

First, if it has been that long you have went well beyond the statute of limitations. You no longer owe the money. The collection agency knows that and are trying to take advantage of the situation. Keep

 

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