Michael Brotherton - Negotiating Disputes - Corporate Law - Business

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Expert Profile: Michael Brotherton

Expertise: Consumer/Debtor Rights Advocate. Current President of Financial Emergency, Inc FKA Debt Mediation & Financial Counseling. Inc, a debt mediation service. 30 years in the credit and collections industry. Former loan officer and debt collector. Managed two middle to large finance companies. I am well versed in Loss Mitigation practices and the legal collection process. I 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. It is my opinion that the more informed you are of your rights in the credit and collections practices 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 Mediation relating to foreclosure, creditor lawsuits, and other serious financial problems. www.financialemergency.com (copy and paste in browser)

Experience in the area
Former loan officer 23 of last 30 years. I have been a debt counselor and mediator since 1992. Current owner of Financial Emergency, Inc. A Debtor Advocacy organization. I also have a radio program called "Financial Emergency" where I routinely answer call in questions from listeners about credit, debt, and the collection system. My emphasis is on "Consumer/Debtor Protection" and the collection process.

Education/Credentials
Many years hands on experience. No formal eduction other than Finance and Credit Management training through former employers where I managed two rather large finance companies.

Awards and Honors
Numerous letters of recognition from previous employers for excellence in my field.

	View Past Answers	View Detailed Ratings

What do you like about this subject? That I can give hope to people who are experiencing financial problems. I consider this a ministry and have helped thousands of people save their home and thier livelihood and get back their peace of mind.

What do you still hope to achieve/learn in this field? I want to make a difference in changing how things are done in this industry. Particulary collection practices. There is a better way.

Something interesting about this subject that others may not know: Debtors have rights. There are also many ways to resolve serious financial or debt issues. Many common problems have common solutions but the average consumer is ill informed. Peace comes with knowledge of how things work. If you know your rights you can protect yourself.

Something controversial or provocative about this subject Bill collectors hate me.

Average Ratings
Prestige Points: 1300
Knowledge	9.98 Best of the best
Clarity of Response	9.98 Best of the best
Timeliness	9.73 Best of the best
Politeness	10.0 Best of the best
Number Of Questions (in Past 24 Hours)		1
Max Questions to be Asked (in 24 Hour period)		1
Total Questions (since joining AllExperts)		134

Recent Reviews from Users

Knowl	Clarity	Time	Politeness	Date
10	10	10	10	09/05/08
10	10	10	10	08/26/08
10	10	6	10	08/04/08
10	10	10	10	07/30/08
9	10	8	10	07/14/08

User Comments

Dear Michael Brotherton, Thank you for your legal advice that enable me to have a clear direction to solve my problems. God bless in all your pl
(Clarence on 08/26/08)

Thank you so much for your help.
(Sarah on 08/04/08)

Thank you for your response to my dilemma. This gave me the legal advice I needed to confront this creditor. I now know exactly what steps to take so
(Felicia on 07/30/08)

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	View Past Answers	View Detailed Ratings

Recent Answers from Michael Brotherton

2008-09-04 United StatesNational Bank scam: I agree with you,. This is a huge scam and no one seems to be doing much about them. I get complaints about them routinely. You may file a complaint with the Federal Trade Commission and the FBI. Call...

2008-08-30 Payments too high.. need help: They cannot alter the contract in any way but if your wife agreed to pay more for the car than what it is worth then they can collect what she agreed to. If she isn't working then the worse that could...

2008-08-27 Hotel dispute: I would think they would have to prove you broke the TV to be able to charge you for it. You can dispute the charge with your bank if they do charge it to your card then plead your case with the bank....

2008-08-12 financial advice: This depends on their mental stability and where you live. I do not think there is a way to do this unless your parents are incapable of taking care of themselves and this is hard to prove. This is way...

2008-08-02 Financial Crimes Division, US National Bank: Well it should but these people are pretty blatant. I don't understand why they are so brave unless they are out of the country. You would think they would be concerned but they don't appear to be. Hopefully...