Business is really good bill collectors in today's economy. Faster than ever before since 1936, companies are turning their delinquent accounts over to professional bill collectors. That means if you ever fall seriously behind in your monthly payments you may find yourself facing a grizzled old pro bill collector that is mean enough to throw you into a protection frombear trap. If you CAN hire a good lawyer, then you can hide behind him and let her do all the dirty work of protecting your interests.
You may be able to afford a lawyer and not even know it because the cheapest lawyer you can get is the most expensive lawyer you can find. Did I hear a "HUH?" I will explain... But, let me first admit that I got this wonderful idea from reading John Grisham novels, although he never thought of the permutation that I will show you here. Mr. Grisham mentioned some young lawyers in big firms doing something called "pro bono" work. That's kind of like giving your dog a bone to worry on so he won't chew your best shoes up. "Pro bono" means FREE, by the way.
It is important to remember that the biggest firms hire the brightest legal graduates to work for them. You get one of these guys working on your case and you've got some serious fire power out there to take hits for you. There probably won't be anything but rubble out there on the landscape when they call the “all clear”; all you have to do now is swoon and reverently whisper: "My hero!" as you collapse in relief.
All Right, CONTACT! Let your fingers do the walking.. Pull out the nearest big city phone book and start running your fingers down the page where the very biggest law firms are hiding. Yes, you are looking for the very biggest firms, according to my theory any way. And, if you find out I'm wrong, you haven't hurt anything, and I have a sure-fire back-up plan.
Call these firms, starting at the ones with the biggest ads, and simply inquire if the firm does pro bono work. You may want to practice rolling "pro bono" off your tongue until it sounds natural when you say it. "Uh, yes ma'am," you say in a strong, cultured voice.. "I'm calling to find out if the (insert the name of the firm at this point) performs "pro bono" work in the DEBT RECOVERY field."
Don't fall through the floor if they say Yes. You expected this answer, right?
Practice saying this next question until your inflection is perfect: "What is their point of contact for the clients they work with, "pro bono?"
If this somehow falls through we will require a change of venue. That is John Grisham speak for taking your ball into another court. Head on down to your closest BIG library. There should be a reference desk there. Approach it and ask if they are aware of any legal representatives doing “pro bono” work in the hard to find insuranceDEBT RECOVERY field. Many times there will be a big seminar coming right up.
Bad luck there too? Okay, last round in my chamber... check out all the books at the library that you can find on the subject of credit repair and start studying.
