Last few weeks, I’ve been getting a lot of emails from folks wanting to know why I am releasing all of the secrets about the dark collection industry. See for your self

WTF!!!! YOUR A PIECE OF SHIT. HOW THE FUCK DO I TRUST SOMEONE WHO HIDES BEHIND A NAME.  SHOW YOUR FACE, I BET YOU’RE SOME DIRT BAG COLLECTOR TRYING TO TRAP PEOPLE WITH THIS. – Jack Ass (ok that wasn’t his real name)

I’m contracted with the Federal Government.  I can get fired and possibly assassinated like JFK.  I’m not ready to get my brain blown up.  Reality is… I’m stuck in the rate race.  I’m good at something that I hate to do.  Really it’s that simple. – Mr. Kay

Mr. Kay if you’re looking to truly help people why are you charging for the information? – Jenny W.

Seriously, I am looking to quit my job I HATE IT. But how can I quit without having an income? Plus doing all of this blog, answering emails, making videos it’s time consuming. I need to get paid for it. I know I can easily charge $500 for my information but do I? NO. Why because I don’t want to deal with delivering the physical stuff.  That’s why I made it a digital version to help people out.  – Mr. Kay

Ok, so what does this ALL have to do with this blog and defaulted student loans?  Well… many people who have fallen behind cash a “cash problem”.  You are living hand to mouth and/or pockets just touch (get it?).  Now I don’t need to tell you that the solution to a cash crunch is… more cash right?  Well what if I told you that cash can come pouring in.  Not in bizzilions or millions.  More like few bucks here then that few bucks become a few hundred and then to thousand and so forth and so on…  but wouldnt $500 per month or even $200 per month can change your life.  What I’m trying to say is this.  I make money by teaching people I do at my JOB! 

How is this possible? And How can YOU benefit?  Well…

It’s pretty easy.  I just BLOG – if you don’t know what blogging is… it is basically the word “weB LOG” for short = “blog”,  get it? (read it again if you don’t).  The laymen terms are diary, journal or whatever you wanna call it.  The cool stuff is… it’s really easy to set up and you can start making money right away.  Look what happend to me.  I started blogging in 2008 and what started as simple idea to just help people has now turned into a business.

Now…

EVERYONE – has a specialty.  It can be ANYTHING.  How to grow oranges, How to raise chickens,  How to find an elf or even How to dodge a student loan collector (don’t take that one -I might use it next).  You see… the possibilities are endless.  And that income you create by just “writing about what you know” can turn into a cash cow.  Now you can use that cash to pay down your student loan, get that new car, finally build a saving, buy that new house, and whatever you can think about.

I just wanted to share – what is possible. If you need to create cash FAST then you need to do this.  Trust me.

Blog to get cash NOW==========>

Get your ultimate guide to blogging and finally get some cash in your pocket to take care of your student loans.

Really it’s pretty simple.  I did part time.  If you are unemployed, layed off, or plain I don’t like to work… just blog about it.  Everyone is going on the internet and you can make a killing by just sharing to the cyber world what you already know.  I don’t see any other business that is this simple.

Take Action NOW===========>>

Sincerely,

Mr. Kay Production Manager

Rogue Student Loan Collector

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Why should you listen to me?

Why am I releasing this information?

It was almost a half a decade into my job experience, and I still dealt with many hard to close knuckle heads. Even as the smartest tenured borrower counselor it was an uphill battle speaking to borrowers with no assets and no employment.

How can I start convincing someone to pay with no wages to garnish? How can I sway their decision, and make the pay if they have no need for additional student loans? From what I saw in my office, most unemployed stay-at-home wives would hang out at home and live their days ignoring their loans like it was nothing.

Mrs. Burden-wife fell under this category, the category that did not bring me any extra income. This class of debtor will play the violin, and plead poverty until the end of time. I had grown accustomed to these standard types of excuses. My response to people would usually be “Can you check all of your resources?” or “It would be in your best interest if you could ask your friends or family members for help”.

My battle of convincing her to pay went on for almost 9 straight months, weeks after weeks. Based off of tidbits of information I gathered over the phone, she was the loyal wife of some architectural genius. Her husband was the one who brought home the bacon. Although Mrs. Burden-wife wanted to take care of her obligation, her husband put his foot down on this matter.

In the past she had once mentioned “My husband is against paying this off because I had this loan before we got married”. She would usually end the phone call by giving me some B.S. excuse about needing to run errands. Almost on a weekly basis she would blow me off, she did not have the decency to even return my phone calls. At times when I called her house her maid would answer and tell me that she went shopping, or she was picking up the dog from the groomers. Me and Mrs. Burden-wife parted ways I ended up ceasing my calls and continued on with bigger fish to fry. I had to move on to real payers. I worked in a production driven environment, and I am forced to work in a manner that was more beneficial to me and my company.

To my surprise in mid April, Mrs. Burden-wife called my extension whimpering and weeping. When the call was transferred, the first sentence out of her mouth was “I’m about to go through a divorce if you don’t fix this situation!” Mrs. Burden-wife the woman that gave me the run around for months was calling me back. I looked at the calendar, and it was that season again, tax season. Federal tax refunds payable to joint filing couples are subject to what is called a treasury offset. Basically anything that is printed from the Treasury is seized due to the status of the student loan (that includes stimulus checks).

Mrs. Burden-wife’s husband who decided it was a bad idea to take care of the loan was now being affected. All I could say now is “marry into wealth and not into debt”. In her situation, I had a solution but I remained hush about it. Due to the fact that she was such a nuisance, and the fact that she cost me so much of my time, I ended up catching amnesia.

I forgot to mention that the portion of the refund owed to the non-debtor spouse can be recovered by that individual by filing an “injured spouse” claim with the IRS. Come to think of this now, I was such a prick. Knowing what I know, it’s a shame that I was not able to help others in a genuine hardship situation…..

Sincerely,

Mr. Kay Production Manager

Rogue Student Loan Collector

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Why should you listen to me?

Why am I releasing this information?

A deadly tumor grows on the students of this nation.  This tumor is deadly but only few have chosen to bring light to this serious matter. This malicious growth keeps our students and past students of America impoverished for a great length of time.  As with any serious disease or condition, without treatment the host will be weakened until death.  From a financial stand point, student loan troubles could be considered “serious as cancer”.  The Feds guarantee more than fifty billion dollars in new student loans every year.  Students are voluntarily plugging themselves in to a system that makes them a host for this deadly, crippling, and financially incapacitating disease.  Every year the amount of funded student loans increase and with our current economic situation – more and more people fall back on higher education.  Individuals that followed through and completed their education will soon step foot in the job market where competition is high and with unemployment on the rise – the market is steadily shrinking.

As the number of student loans increased, it is obvious that the demand for collection agencies would grow.  This is a gold mine for the person on the opposing side.  As a borrower counselor (collector) that worked with student loans, it is our mission to make sure that propitiatory information, remains in the dark, meaning any piece of information that gave the borrower’s an edge was considered trade secret.  As a young borrower counselor I was taught by an industry veteran, he was a seasoned collector and was well-rounded, his talk-off was superior and his negotiating skills were known to be best.  Anyone who is planning to become anybody in any industry must have a mentor. To me reinventing the wheel was just plain silly.  I had stepped into this industry with a fresh mind that soaked up everything.  Following in the steps of my mentor helped me hit the phones with full force, and I was soon forcing the borrower’s to pay tremendous amounts of money on a daily basis.  My skills developed quickly because I listened and took precision notes when my mentor spoke.  I had the honor of even having lunch with my mentor almost on a daily basis and these where the times where interesting student loan topics were brought to the table. It was almost daily that the trade secrets were shared and exchanged.

There was this one instance where our discussion topic stuck to my conscience forever. This was an ordinary day, and I ordered my usual meal at taco bell.  As soon as we sat, our usual discussions began, and the topic that impacted me most was the discussion about bankruptcy law.  I was taught time after time that bankruptcy on student loans was “Near” impossible.  During my lunch break my mentor gave me a piece of information that made me almost hurl my taco pizza.  He had mentioned that borrower’s who are experiencing “undue financial hardship” might have a chance getting their student loans discharged through bankruptcy.  I was shocked, and as my curiosity grew I started to investigate.  I pulled up almost every bankruptcy account and day-in and day-out I studied them like a mad man, I needed to figure this out to satisfy this urge for the truth, and eventually I came to a conclusion.

I had kept this as a secret for over 4 years until now. It is funny because everyday a student loan debt collector will tell the borrowers “Bankrupting on your student loan is 99% impossible”.  With our statement, one question should arise “So…What about the other 1%”.

The answer?  Adversary Proceeding

A student loan borrower may file an adversary proceeding against Department of Education. The debtor may recover damages for a creditor’s actions taken in violation of the U.S. Bankruptcy Code, in violation of the automatic stay or the discharge injunction (once the borrower has received a discharge, the former creditors are no longer allowed to try to collect the discharged debts).  In this event, requesting a hardship discharge of student loans is NOT a matter of simply filling out a few forms, it is a full blown adversary proceeding, meaning a full blown civil lawsuit.

You need to draft a complaint, conduct discovery, round up some expert witnesses to testify as to your hardship and why you cannot afford to payback your student loans, conduct a trial, etc.   In any adversary proceeding, just because one is filed, it doesn’t mean that the filer will win the case against the other party. That is the judge’s job to determine who is right and who is wrong.

The judge will be the one who decides what is necessary.  Of course… you can position yourself to get the results you need.  I go into more details on Bankrupting your student loans in my Student Loan Blueprint.   Visit. www.studentloanblueprint.com.

Please leave comments or questions below.  Part 2 will come shortly.

Mr. Kay Production Manager

Rogue Student Loan Collector

The Confessions of a Student Loan Collectors – Visit: www.FreeStudentLoanStuff.com to get the most shocking truth about defaulted student loans. .

Why should you listen to me?

Why am I releasing this information?

A ticking time bomb of American debt. Over $830 billion are owed by college students in the US with $3 thousand more added on every second. The most traditional financial baggage for Americans was credit card debt. For the first time, debt belonging to college students has over taken that number one spot.

“Students graduating in 2008, 2009 and 2010 are facing the worst job markets in a generation at least. And so you have people with more debt that we have ever seen before, who are having a harder time finding any job, let alone a job that pays them enough to somehow pay off all this debt.”

Click the Button and Watch this Video.

“We are in un-charted waters, our government has over-leveraged and overspent for the last decade… they are looking to raise capital fast… if you know what to ask… you can absolutely set yourself free…” – Mr. Kay

Please leave me a comment, rave review, questions, and etc. I hope to hear from you soon.

Sincerely,

Mr. Kay Production Manager

Rogue Student Loan Collector

The Confessions of a Student Loan Collectors – Visit: www.FreeStudentLoanStuff.com to get the most shocking truth about defaulted student loans. .

Why should you listen to me?

Why am I releasing this information?

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