Michael Brotherton - Collections Law - Corporate Law - Business

About > AllExperts
	Search for

Main Menu

Login (Experts Only)

About Us · FAQ · Tell Friends About Us · Link To Us · Free Encyclopedia · Disclaimer · Tech Support

You are here: AllExperts > Business > Corporate Law > Collections Law

Expert Profile: Michael Brotherton

Expertise: Consumer/Debtor Rights Advocate. FORECLOSURE and LOSS MITIGATION. Current President of Financial Emergency, inc also known as Debt Mediation & Financial Counseling. Inc, 28 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 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 and credit manager for two mid to large finance companies. Total years in financial services industry 28 years. Author- Financial Emergency Kit, consumer training manual in 1995.

Organizations
Former Individual Development VP for the Junior Chamber of Commerce, JayCees, for 5 years from 1989 thru 1994. Founded non-profit foundation offering "debt negotiation" and resolution of creditor legal action relating to debt.

Publications
www.financialemergency.com I personally developed a Loss Prevention and Bankruptcy Management manual for Associates Financial Services in 1997. The manual became a standard tool used in training Branch Managers.

Education/Credentials
No sheepskin. I began in industry when college was not required. Went to work with first finance company in 1979, completed VA sponsored OJT program, Keystones to Credit Management 1980-1982. Promoted to Branch Manager 1983 mid size branch in Dayton, Ohio. I have been in management ever since.

Awards and Honors
Many honors and awards in my field. Letters of acknowledgment of numerous accomplishments.

Ask a Question	View Past Answers	View Ratings

Average Ratings
Prestige Points: 4810
Knowledge	9.85 Best of the best
Clarity of Response	9.87 Best of the best
Timeliness	9.81 Best of the best
Politeness	9.97 Best of the best
Number Of Questions (in Past 24 Hours)		0
Max Questions to be Asked (in 24 Hour period)		1
Total Questions (since joining AllExperts)		542

Recent Reviews from Users

Knowl	Clarity	Time	Politeness	Date
10	10	10	10	07/03/08
10	10	10	10	07/02/08
10	10	10	10	07/01/08
10	10	10	10	06/27/08
10	10	10	10	06/18/08

User Comments

Thank you so much!
(Melissa on 07/03/08)

Excellent response with helpfull and relavant information. Thank you!
(Willow on 07/02/08)

I really do appreciate the help.
(Carol on 07/01/08)

Thanks
(Eric on 06/27/08)

Mike, your response was quite accurate and right on time. I called Probate and was informed I could file a motion for disallowance of the claim since
(NV Ham on 06/18/08)

View All Comments

Ask a Question	View Past Answers	View Ratings

Recent Answers from Michael Brotherton

2008-07-03 Notice to appear: Yes, send your response to the courts and the creditors attorney and demand evidence you owe this debt. Request a hearing and although you can participate in the pretrial tell them you are not interested...

2008-07-01 Medical Bill Collections: I am afraid this is not accurate. If the creditor decides they cannot collect their money they may assign or sell the account to a third party for collection at any time. However, it does seem to be a...

2008-06-30 Collection Agency: She needs to got to the bank and file an "Affidavit of Fraud". and file a police report. Send a letter to the collection agency advising them they had violated her rights and that you will be filing charges...

2008-06-29 Old Debt: The statute of limitations runs from the date of last payment on the account. You might check your credit report to see what is being reported. And yes, it is exactly four years from the date of last payment...

2008-06-28 post divorce debt: This is a very common problem. One of the problems is that unless he gets a loan to pay the account off they cannot remove your name from the account. And if he filed bankruptcy the creditor can come after...