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A 15 yr old girl is told to pay debt or go to JAIL.   by Tim Vanderbilt

I have been in the credit repair personally for 15 yrs and professional about 8 yrs. I have heard of all kinds of stories about how people have gotten bad credit. My clients have told me about how their car was repossessed with their child and other possessions inside. They have told stories about people being forced by the police to leave their house because it has been foreclosed on. These are just some of the stories.

Even though, I have heard thousands of life changing stories, nothing, could have prepared me for a phone call I got call last week.

It was about 10am in the morning, when, my cell rang. I answered, hello; this is Tim with TRW Credit Group. How may I help you? What happened next was utterly shocking. This booming voice came of me cell phone. This guy was so loud that I had to pull the phone away from my head. He was screaming so loudly that I could barely understand what this he was saying. It took me about 5 minutes just to calm him down enough so I could understand him.

When he finally calmed down enough, he started to tell me about his situation. He, Jonathon, stated “my daughter that is about the go to jail”. I replied “I am sorry to hear that, but I don’t know why you called me because, I am not an attorney”. He replied “I know that, I need you help with my daughter’s credit. I replied “ok, but what do you mean your daughter is going to jail?” He then replied, “I just got a phone with a debt collection agency. They said that my daughter has $15,000 in unpaid credit card debt and if she doesn’t pay it. That they are going to press charges and make sure that she goes to jail”

I could hear in his voice that he was very sad. I asked him to tell me about his daughter. He began by telling me “please help my daughter; I don’t want her to go to jail. She is only fifteen years old”. I paused for a second and said, fifteen? He then said, yes. I then asked him, how did she get credit cards in her name? He replied, she doesn’t have credit cards. I told him that her identity was probably stolen and someone got credit cards in her name.

I then said, “Jonathon, your daughter isn’t going to jail, this is a strategy that debt collection agency use to scare people into people paying. As you can see, it does work.

I could hear a sigh of relief in voice. I then told him that we could definitely help his daughter.

About the Author

Tim Vanderbilt is a credit repair(Rebuild) expert, http://trw-credit.com and http://blog.trw-credit.com. He has been in the industry for 8 yrs. He started out in the indusrty because he lost his job and lost his great credit. It took him a long time to repair his credit. He believes that no one should go through what he went through to get good credit again.
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