Michelle Dunn - Business Debt - Small Business Information - Business

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Expert Profile: Michelle Dunn

Expertise: As one of the Top 5 Women in Collections, one of the Top 50 Collection Professionals of 2007, and winner of the 2007 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 19 years, started and ran my own collection agency for 8 years, and maintain a 10 year old 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 2007 New York Book Festival Award. I am a repeat contributor to the Wall Street Journal, and have been featured on NPR 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 7 published books to my name and am an accomplished speaker and consultant.

Experience in the area
I have 19 years experience in debt collection, I started and ran my own collection agency for 8 years and I am the Executive Director of my Credit & Collections Association that I founded in 1998. (www.credit-and-collections.com

Organizations
Credit & Collections Association LLC, I was also a member of the American Collectors Association and Plymouth Chamber of Commerce for 9 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.

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

Education/Credentials
I have written 7 books, 6 in my collecting money series and one for Entrepreneur Press called the Ultimate Credit and Collections Handbook.

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 in 2007 as well as having been selected as one of Collection Advisor's Top 50 Collection Professionals for 2007.

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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.

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 10 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 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.

Average Ratings
Prestige Points: 1140
Knowledge	9.89 Best of the best
Clarity of Response	9.59 Best of the best
Timeliness	9.84 Best of the best
Politeness	10.0 Best of the best
Number Of Questions (in Past 24 Hours)		0
Max Questions to be Asked (in 24 Hour period)		100
Total Questions (since joining AllExperts)		212

Recent Reviews from Users

Knowl	Clarity	Time	Politeness	Date
10	10	10	10	06/16/08
10	5	10	10	06/04/08
10	10	10	10	06/04/08
10	10	10	10	06/03/08
10	10	10	10	05/27/08

User Comments

Maybe she just types fast first thing in the morning before her coffee, but the syntax of her reply could be cleaner. However, the fact that she conf
(Stacey on 06/04/08)

Thank you for your quick response!
(Kathy on 06/04/08)

Thank you for your answer. Bye
(nick on 06/03/08)

Thanks again, for all of your help. You have been very helpful and have answered all of my questions. One more question, then I will be finished. C
(Trudie on 05/27/08)

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Recent Answers from Michelle Dunn

2008-06-20 getting rid of the debt!!!!: Are these business credit cards in your business name that you want to continue to use or do you want to eliminate your debt by getting rid of all debt? If you want to get rid of all your debt, cancel...

2008-06-12 owed money: Sal, I would call her and tell her you will be stopping by the residence where you delivered the curtains to pick up the check on a certain day at a certain time. Then do that. I would also work on getting...

2008-06-11 my corporations debt: Rick, Is your company, the one that billed them, a sole proprietorship or an LLC or some other entity? If you are a sole proprietorship you could be held personally liable. Creditors and collection agencies...

2008-06-04 Collecting debt on a business that has since changed owners: Stacey, Ask the new owners if when they purchased the business, did they purchase the accounts receivables. If they did, they are responsible. That information can be found in their closing paperwork...

2008-05-24 Question: Vanessa, Even though your name is no longer on the cards, since you are his spouse, the creditor and the collection agencies can go after you for the payments. Also, any debt you both incur together...