About Merl K. Miller

Okay. I wrote the book so you could call this a miniature autobiography. I have been an entrepreneur or salesman for over 40 years.



This is not my first book. Between 1976 and 1986, I wrote 27 books on computers and robots.



From 1987 to 2013, I was a financial advisor specializing in middle class families. During that time, I met with thousands of families in their homes. Yes, it was thousands. I met more than 200 families a year. I learned some things about how people think about money and what they do about it.



In addition, I had all kinds of fancy education that has little or nothing to do with you and your family. For instance, I took a 3 year Certified Financial Planner course. It was mostly mathematics. It was like the algebra you learned in high school. I never used it.



For years, I heard about how bad collection agencies are but I really didn't know how bad they were until I experienced it myself. My story is in the first chapter of How To Fight Debt Collectors And Win!



The first thing I learned is that the “experts” including me were wrong. I gave the same bad advice about debt collectors that everyone else does. For instance, I told people to call the collection agency and try to solve the problem. That is a really bad advice. Don’t do it!



Debt management is simple (that doesn't mean it is easy). I knew I could show people how to get out of debt. I had been doing that for years. Dealing with debt collectors is not the same as getting out of debt so I knew I needed to give my clients better advice.



When I really understood how to deal with debt collectors, I knew I had to write a book. I wish somebody had told me this information seven years ago. It would have saved me some serious money and a lot of grief!



What really irritates me about debt collectors is their lack of respect for you. They don't seem to care about anyone. I know that I do. I would like to help you deal with these jerks.