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  You are here:  AllExperts > Shopping > Credit/Debt Management > Creditors and Bankruptcy Q`s

Expert Profile: Michael Brotherton

Expertise:  Consumer/Debtor Rights Advocate. Financial Emergency has recently been acquired by Dever Legal Services. We are now a full service law firm providing foreclosure assistance, debt mitigation and resolution, and debt restructing services. Jonathan Dever is an aggressive attorney with a heart for helping people in serious financial trouble. 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.

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Average Ratings
Prestige Points: 1760
Knowledge   9.85   Best of the best
Clarity of Response   9.83   Best of the best
Timeliness   9.91   Best of the best
Politeness   9.89   Best of the best
Number Of Questions
(in Past 24 Hours)
0
Max Questions to be Asked
(in 24 Hour period)
5
Total Questions
(since joining AllExperts)
157
Recent Reviews from Users
KnowlClarityTimePolitenessDate
1010101012/03/08
1010101011/25/08
1010101011/24/08
1010101011/24/08
1010101011/20/08
User Comments
Michael was a great help and gave me some solace to my concerns. His answer was concise, sharp and on point. Excellent help.
(Lonnie on 12/03/08)
Thank you for the information. I am not planning on ever getting in that situation again, but the convience, especially at the gas pump is missed.
(Annie on 11/24/08)
This is a great service. Even if the answer I recieved had been less to my liking, having a knowledgeable professional to ask is a very big help.
(Kurt on 11/24/08)
you are awesome thank you so much
(mary on 11/20/08)
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Recent Answers from Michael Brotherton
2008-12-01  creditor of bankruptcy It depends on the type of case you filed but in most cases the bankruptcy will discharge this too. You will need to file a claim with the bankruptcy court and attend the 941 meeting of creditors to show...
2008-11-26  Going into Chapter 13 It depends on your attorney, how fast they can prepare the paperwork, but as soon as the bk is filed they will send notices to all creditors. There is what is referred to as an automatic stay issued by...
2008-11-25  Repo Advice You can run an add in the local paper and try to sell the VW or the trck and submit any offers you get to the finaance company as a settlement in full. You may have to haggle a bit but if you get to the...
2008-11-22  creditor judgement Your disability is exempt from attachment and your husbands accoun t cannot be touched. If they file suti you want to file papers to exempt your checking account if those moneys are from your disbility...
2008-11-21  use of credit cards after bankruptcy If they were listed on your schedule of debts the accounts were likely closed by the credit grantor in response to the notice of bankruptcy. If they were not listed they could also be closed by the credit...
More Answers for "Creditors and Bankruptcy Q`s"


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