Keeping it Real with Credit is a consumer advocate organization solely dedicated to providing resources and knowledge on consumer credit and financial advice.
We will also introduce you to industry experts who will go more in-depth on how credit plays an important role in our every day lives.
These experts align with the same mission and purpose as Keeping it Real: to provide the public with the tools necessary to become experts in their own financial decisions. 


What Happens When You Are Sued By A Debt Collector

DozensOfViewers I watched the whole thing and I'm not even being sued or collected.

ISEE YOU 48 debt collectors disliked this video.
JamaicanSista ROBINSON God bless this lawyer! He has "moral-values!" May God continues to bless and keep you.
Travis Gill-Man I am going in alone Monday here in South Carolina. Thank you for educating me on a few things


What Happens if I Ignore a Collection Lawsuit 

Dtown I had a default judgment against me in 2004... I just received a notice today April 22, 2019, that they’re going to start garnishing my wages... I have heard NOTHING of this since 2004 at all... wouldn’t there be a statute of limits in that (state of Kansas)?


Why you should never pay Debt Collectors!

NEVER PAY COLLECTIONS - Paying Debt Collectors Doesn't Increase Your Credit Score & Doesn't Remove Collection Account from Credit Report.

antwizzle  I wish I knew this before I paid.

Jenia Tim Very informative, thank you!
Master Sergeant This is probably the best seminar I have heard on debt collection.


Dealing with Collection Agencies in Canada

Mark Anthony Silverthorn, author of the e-book 'A How-to Guide for Dealing with Collection Agencies in Canada', explains what Canadians receiving collection calls can do when dealing with unprofessional and aggressive collection agencies, and when and how they can negotiate a debt settlement with a collection agency.


Debt Buyers with John Oliver

Sean M If you are in serious debt...and it's easy to become a debt collector...could you cheaply buy your own debt to collect and then never collect it????

jmbo72   3,255 debt collectors watched and hated this video lol

7 Horseshoes & A 4 Leaf Clover This episode is why John Oliver deserves a Nobel Peace Prize.

Russ Gallagher There's no reason to ever pay a debt collector. The original lender has already dinged your credit history and paying a 3rd party won't change that.


Michael Bovee I've decided it's time to set the record straight

Brian Reynolds Michael Bovee I want to thank you so much I just got a 19% settlement from $1350 to $392 with C.O bank. thank you so much for your knowledge.


Henry Cole The whole credit industry is corrupt. banks, Car loans, like doing business with the devil. Law should be to bring back payment books and regulate the whole industry.

Fresh Urb Never a reason to cry over money owed. There is no such thing as a debtors prison, all you can do is pay what you can, and if there is some overzealous debt collector being aggressive with you, remember YOUR control what you can do. They do not so you control all the leverage


JONATHAN-GINSBERG How to Negotiate with a Bill Collector Over the Phone

M.U. G. Excellent information, thank you! I wish you practiced in California.

Divine Diva I received collections letters from two different companies regarding the same debt. I'd like to resolve, but how can I determine which one actually holds the debt?

martin crespo the best way to negotiate with a bill collector is to "NOT NEGOTIATE AT ALL" not answer your phone, period

John Skiba Debt Settlement v. Bankruptcy?

reks bilini when I called 1 304 362-00-22 it took me a very short time to resolve my issues, the staff looked for a positive response whenever I called them. it was very unusual and bizarre in the beginning. they were so helpful and polite


 Attorney Carl E. Person

Attorney Carl E. Person, who represents debtors in their dealings with banks and credit card companies as to foreclosures, credit card debt and student loans, explains why and how an individual suffering from too much debt can substantially reduce or eliminate his/her credit card debt.

The procedure is started when the debt-ridden individual Stops Paying His/Her Credit Cards.

Person explains the steps that will take place, from the selection of cards not to pay, through dealing with abusive collection practices and ever-increasing settlement possibilities, and in some cases a necessary lawsuit, in which the debtors countersues the credit card company (or assignee of the debt) for abusive collection practices and punitive damages.

Person explains how a reduction of debt by 80% can be expected, and that the cost of defending a lawsuit by the credit card company (if it becomes necessary to do so) will be about $2,500 to $3,000.

Person also lists the possible defenses against the credit card company's lawsuit, and discovery efforts, which should encourage reasonable settlement.




George Carlin - Credit Card Purchases

InstTaxSolutionsLLC  Given the amount of interest that credit card companies charge, there's no reason anyone should pay for small purchases with a credit card.

miketastic97 wow watching this and youtube shows a credit card advertisement :P

MischiefMeerkat  Credit cards are a trap anyway, a way to get you to fork over even more money in fees, interest, and fines.