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my name is jay and welcome to ask a debt collector ive been in the debt collection business for over 15 years ive worked in all aspect of debt collections from where i started as a legal verifier where basically all i would do was verify place of employment as well as if someone owned any assets like a home and if we i found that information i would send it straight to the collector and they would basically sue on the accounts from there i went to a skip tracer basically there all i did was skip trace information and found numbers and so forth to get in contact with consumers to obviously get them to pay their debt from there i worked as a debt collector where i actually did the collecting where i did the calling and so forth i worked in management where i had a team of over 20 people under me where i uh coached them on collecting debt collecting and all of the uh nuances concerning that as well as ive been an owner of a debt collection agency now over the course of my life for fri