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Michelle Dunn


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As one of the Top 5 Women in Collections, one of the Top 50 Collection Professionals, and winner of the Business Excellence award, I can answer any questions about debt, debt collection, improving business credit, creating a credit policy, enforcing a credit policy and collecting on past due accounts. I can also answer questions in regards to starting a debt collection agency since I have been a bill collector for over 24 years, started and ran my own collection agency for 8 years, and maintain my 12 year old Credit & Collections Association for members of the credit & debt collection industry. I am also the author of the popular and award winning book "Starting a Collection Agency, how to make money collecting money" now on it's 3rd edition. This book has won a the Writers Digest self published award as well as the New York Book Festival Award. I am a repeat contributor to the Wall Street Journal, and have been featured on NPR, CNN, as well as many other national radio and television programs. I have also been featured in national publications such as the Wall Street Journal, Forbes, Smart Money, MSNBC and much more. I have 17 published books to my name and am an accomplished speaker and consultant. I currently write 9 columns for newspapers, magazines and online portals worldwide.

Experience in the area

I have over 24 years experience in debt collection, I started and ran my own collection agency for 8 years and I am the founder & owner of my Credit & Collections Association that I founded in 1998.


My Credit & Collections Association, I was also a member of the American Collectors Association and Plymouth Chamber of Commerce for 11 years. I am a member of many writing groups as well as my local Women Inspiring Women chapter. I am a member of Know More Media as an expert for their blog on business credit.


Business NH Magazine, Smart Money Magazine, MSNBC, CNN,, The Wall Street Journal, Home Business Magazine, Entrepreneur Magazine and website, many books, newspapers and television programs as well.


I have written 17 books in my collecting money series and one for Entrepreneur Press called the Ultimate Credit and Collections Handbook. My newest book is being published by John Wiley & Sons in May titled, The Guide to Getting Paid, how to weed out bad paying customers, collect on past due balances and avoid bad debt. This book is also being sold to many colleges as a text book.

Awards and Honors

My book Starting a Collection Agency, how to make money collecting money won an award from Writers Digest and the 2007 New York Book Festival in the "How to" category. I have won 2 awards from Dun & Bradstreet and Governor Jean Shaheen. I was nominated as one of the Top 5 Women in Collections twice as well as having been selected as one of Collection Advisor's Top 50 Collection Professionals by my peers.

What do you like about this subject?

I always enjoyed helping people and being a good collector. Seeing the results of my work is rewarding to me. I have spent the last 11 years helping the debt collection industry overcome the negative perception that is out there about bill collectors and collection agencies, and continue to educate and encourage anyone in this business.

What do you still hope to achieve/learn in this field?

I learn more every day but I hope to help the debt collection industry achieve a better reputation in this industry, and help more women be able to start their own agencies in this male dominated field.

Something interesting about this subject that others may not know:

You are more likely to be approved for a business loan if you have a credit policy and marketing plan included in your business plan.

Something controversial or provocative about this subject

The conception that all bill collectors break the law and are evil is a BIG misconception that has been around for years, I have been trying to change that perception with my association and books and feel as though I have made a big difference in that perception.

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
Benjamin04/16/14101010Thank you and I will submit a .....
John10/05/12101010Thanks a million Michelle!
John09/29/12101010Thanks again Michelle, your answers ease my .....
John09/22/12101010Michelle, you were right-on on all your .....

Recent Answers from Michelle Dunn

2014-04-11 Loan to a closed business:

Benjamin,  Without a personal guarantee you may want to consider researching to see if this person has any assets and if they do, filing through small claims or civil court, depending on the amount of

2013-01-21 Opening collection business:

Murat,    Start with reading everything you can about starting a collection agency, and networking with others in this industry.  You can do this online by joining my free group on Linkedin called "Starting

2013-01-12 Home Based Medical Collections:

Kelcey,    First you state that you want to collect on behalf of the practice rather than as a third party - so that means you would not be starting a collection agency.  A collection agency is a third

2012-08-02 Guarantor for Unsecured Line of Credit:

Riki,  No, anyone can sign as a Guarantor for an Unsecured line of credit, normally they would have good credit and a means to pay back the debt if the original debtor cannot - hence the need for a guarantor

2012-05-14 Debt due to a supplier:

Dania,  Since you say you were going to start making payments - but did not - that would be why your account has now been placed with a collector.  The worst thing to do is ignore them, if you do they


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