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I
started my business in a nationally renowned ski
resort area destination with a population of around
25,000. Just try to make a decent living in a
place where the usual job prospect would be a
ski lift operator!
Fortunately,
I now am blessed to live in an upscale neighborhood
of hard-working class individuals who are all
extremely curious about what I do that enables
me to stay home all day. Not bad for an average
person that was in debt up to her eyeballs just
a few short years ago!
And,
for the record... I am a real person.
My
judgment recovery business consists of myself
and three additional employees. I have arrived
here after traveling down a long, toilsome road
peppered with many disappointments and failures.
I'd like to share my "adventure" with
you so you'll know just how far I've come.
Years
ago I couldn't have imagined writing this because
for so many of those years, I was a sucker for
"opportunities." Yes, folks, they saw
me coming a mile away. I have several "get-rich-quick"
programs quietly gathering dust out in the garage
somewhere... I knew there had to be a better way,
but the real answers kept evading me.
Lord
knows how much money I gave away to other people
getting rich off of their schemes. Chances are,
you've been through the same thing and now harbor
massive skepticism towards people like me. Hopefully
we can get past that.
At
about the time my third child was on the way I
had decided my combined family income was still
not enough to get by on when taking the costs
of childcare into consideration. I also felt our
children deserved a "real" home rather
than daycare 10 hours a day and parents that were
so wiped out from the work day we couldn't even
give them the time and attention they deserved.
And
besides - who wants to work and earn profit for
someone else till they're 65 and then finally
have the limited freedom that the typical retirement
benefits can offer? And while the pay from my
job was "okay," there was just never
enough check at the end of the paycheck.
Looking
for a better way, I embarked on a joint venture
to open a retail carpet store. It sounded great
in the beginning, my own business, finally...
My
Retail Prison
Despite
the fact that my "partner" already had
a successful carpet store, my start-up costs were
huge. Imagine paying $50 for a measly carpet sample!
And I bought hundreds of them. I hired a receptionist
who spent the afternoon talking on the phone to
her boyfriend. In reality I was chained to a retail
prison, driving 3 hours a day over a snowy mountain
pass at 20 miles an hour in an old smoking Subaru.
Sounds
like I'm laying it on a little thick? I swear
it's true!
Among
the other pitfalls that typically accompany a
retail business, my "partner" kept 50%
of the income and did none of the work. We often
had to install most of the jobs ourselves because
we couldn't even get the employees to show up.
As
you can imagine, or probably even relate to, I
accumulated monstrous debt, a second mortgage
when I couldn't even afford the first one and
all my credit cards were at or over their limit.
I was truly only a few paychecks away from being
bankrupt, or worse - homeless. Something had to
give! I had no idea what I was going to do about
it, but I was getting pretty desperate.
An
Amazing Revelation:
The answers to problems often come from where
you least expect to find them...
About
that time I made a trip to visit my cousin. What
she was doing amazed me! I knew she had been working
as a paralegal before, but it was just paying
her bills. Well, at the time of this visit she
was doing quite a bit better. When I asked her
to explain how it was she'd suddenly become so
successful (I'll admit it - I was jealous), she
began to tell me about how she'd expanded her
paralegal business to include processing small
claims judgments that had been awarded in court.
She
explained there was virtually no one providing
this service in her area. Furthermore, once people
had been awarded these judgments that most of
them were never collected. I simply couldn't believe
it! (Ever the skeptic...) Then she showed me all
of her case files and how she went about collecting
these judgments. I ended up staying there for
another two weeks, just so I could lurk around
in the background and see what she was doing.
Bursting
with knowledge and enthusiasm... I came home,
determined to make this work for me. Believe me,
when I'm enthused and motivated it is an awesome
and frightening thing! I made my very first trip
to the courthouse to research case files, found
a lot of judgments among the records that had
not been paid, and then sent some letters to judgment
holders.
Getting
the judments to collect was easy!
Before
I knew it, I had over 50 cases to work on.
I
know I'm making this sound very simple, but the
real work was ahead of me. Sure - I had received
a ton of judgments to collect, but I really had
no clue as to where to begin with them. It took
an enormous effort to figure it all out and uncover
all of the little known procedures buried in the
civil laws.
Fortunately
for you, I've made all of the fruits of my labor
and my knowledge available to you so you can benefit
from my hard-won experience and avoid all of those
nasty pitfalls and obstacles I had to figure out
on my own.
Before
too long... I began to contact small businesses
in my area who really needed my help. These people
were happy to give me multiple cases to collect
and were more than willing to let me keep 50%
of what I collected. I began getting referrals
from people I'd never heard of before including
paralegals and even attorneys in our small town.
This
is "The Secret!"
I found a "Niche" and filled it.
People
really need this service. They are not able to
collect these judgments on their own. You will
soon have more business than you ever thought
possible. For me, money began to pour in.
Financial
independence is now a reality.
Can
somebody pinch me, please? I hope you will devote
every one of your brain cells to fully grasping
the concept of this business.
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