Exploring the Debt Collection Industry

August 23, 2006

A Little Moderation – From the Moderator

Filed under: Collectors Chime In — budhibbs @ 10:49 am

It’s a great discussion gentlemen – and I trust you’ll keep it on a non-personal level.  The facts can be stated without digging into personalities.

We’ve tried to keep this open, honest and above-board.  So far, I’ve edited only one message – and that was to remove a duplicate post.  We’ve blocked no one from the discussion; the only advantage I see is that Bud has the capability to respond within the same message.  (Then again, as he can only answer about twice a week, unless you check each message for a comment, many may not see his responses.)

I’d like to comment on some of the things – a blogmaster should have that right… 

The association between the budhibbs.com site and “other advocates” does not exist.  There are hundreds of sites that link to budhibbs.com  Some we know of and approve, others took it upon themselves to link to us.  We know of three such sites that have “copied” our pages almost verbatim.  You can search the budhibbs.com site for external links, but I’ll save you the trouble:  naca.net, myfaircredit.com, the credit bureaus, providiansucks.com, nclc.com.

Bud refers folks to NACA because he knows their stand on Consumer issues – and is proud to be one of the few non-attorney members.

The BlogMaster.



  1. I’m reading all this fuss and bother about whether or not Bud makes money doing what he does, and thinking about all the times I’ve emailed him with questions over the years. Every single time, Bud has kindly answered my question or directed me as to where to research. NEVER has he EVER attempted to charge me or even hinted that I should reimburse him in some way.

    But you know what? If there was a way to donate what I could via PayPal to Bud, I’d have done it at least 5 times in the past year. There’s no way to really PAY for what Bud has done for me. He’s given me hope when no one else would. He’s encouraged me to learn FOR MYSELF, and stand up FOR MYSELF, and do what needs to be done FOR MYSELF, when no one else had the knowledge, experience, or interest to point me in the right direction.

    I now spend hours a day as a volunteer helping others online learn the laws and how to use them for THEMSELVES. Most people learn quickly with just a bit of guidance and encouragement. But some don’t. Some can’t. Some don’t have the time. Some don’t have the actual ability. Some would rather pay someone to help them, or HAVE to pay someone to help them because they can’t deal with it themselves. For them, finding someone they can PAY to help them is a godsend, just like finding a friendly word of advice or encouragement has been for others.

    Keep up the great work, Bud. Just as you’ve always been there for us, know that there are MANY of us out here who’ve got your back. Anytime.


    Comment by JAN — August 23, 2006 @ 5:07 pm

  2. Talk about smoke and mirrors, Frank, your posts are full of it. I love how you say something then claim you didn’t say it. Then say it some more and twist it around a few times and turn it inside out and shake it like a bunny’s supposed to pop out of that cape or something. It didn’t work. You can claim day and night to be a certified “expert” but without the agencies or officials who’ve “certified” you showing up to VALIDATE your claims, they’re nothing more than text on the internet. I did like how you talked yourself in circles though. That was rather amusing.

    I know from my own experience that Bud helps people. I was referred to him by a Texas police sergeant who regularly sends people to Bud for help. On the forums I frequent, Bud is highly respected and admired by the many people he’s offered a friendly hand to over the years. When any of us run into a particularly noxious collector the first place we turn to is Bud’s site for information on who the nutball is who just called and made illegal threats but wouldn’t give an address, lol

    All the innuendo and trash talk amounts to spitting in the wind, Frank. Typical collector mentality. You’re SO obviously desperate to find ANY way to instill doubt and fear in those who come here looking for hope. All of your assurances to the contrary are so transparent it’s pathetic. All we have to do is look at what you’re actually doing instead of just what you SAY you’re doing. What you’re ACTUALLY doing is calling Bud a Dick, couched in a lot of nonsense that most people will never take the time to read. Says a lot more about you than it does about him 🙂

    Comment by JAN — August 23, 2006 @ 7:39 pm

  3. Hello Jan;
    You may not have liked all of my previous postings since I have also questionned Mr. Hibbs’ source of income.

    I would like to congratulate you for a first posting that properly highlights what Mr. Hibbs has done for you (and, most likely, many others.
    I also congratulate you for your last posting. I couldn’t have said it any better in a thousand words.

    Frank (or Adolf, Joseph, perhaps) qualified himself as a Geological Phlebotomist. Those are real big words for a guy that otherwise can’t spell “publicly” (someone must have written that for him). To me, based on his (too) numerous replies to my postings, he is a Forensic Proctologist.

    I realize that we have now used attacks and counter-attacks on your site and that this was not the intended purpose of this blog. I apologize for this but there is no choice with people like Frank (Adolf, Joseph); one must fight fire with fire.

    Comment by Mytwocentsworth — August 23, 2006 @ 9:44 pm

  4. Jan is so correct! Debt collectors are willing to say anything to reflect Bud Hibbs in a bad light. The only place that I’ve found Bud to be routinely trashed is on collection forums. After reading some of the threads on forums such as ci.com my opinion would never be swayed. The majority of posters appear to be childish & uneducated degenerates who are only upset because Bud has given people the knowledge to fight back against collection abuse. Corrupt collectors are the whole reason Bud’s website exists. It’s not Bud who is the problem…..

    Comment by Becca — August 23, 2006 @ 11:55 pm

  5. Jan what you’re saying makes no sense but I suppose it doesn’t have to. You missed in the main body of this blog a great question that you didn’t ask. How am I an “expert”?

    Try this website for size to make it easier for you. You can also go to the Tennessee and Michigan collection board on line to ascertain the qualifications of licensing. I gave them in the main text of this blog. Arizona and other states have similar licensing laws. You can avoid all the issues brought out over the past days and you can try to bait me with unprofessional banter that isn’t really pertinent to anything. Like I said before, when you do that it only shows there is something to be hidden.

    Really if I as a former professional in the industry am not recognized as an “expert” in the credit and collections field, even after becoming certified by professional organizations and passing difficult tests, how than can Bud or you be an “expert” under the same terms you have described before. Is just saying you are enough?

    Why are you talking about me? Why aren’t you asking questions about the libel suit against Hibbs? Why aren’t you asking about the Wire Tapping charges? Because you choose to deflect the facts by casting aspersions at the presenter of facts. This is not an articulate way of dealing with the issues.

    MYTWOCENTSWORTH…it would be spelled break…not brake. I think you have both made my point about all of this more than I ever intended.

    Comment by Frank — August 23, 2006 @ 11:56 pm

  6. Frank;
    What you call “facts” are allegations.
    As to your being an “expert”, the jury is still out.

    Thanks for correcting my typographical error of the work “break”. Had you gone one more line done, you would have found two more of those (youself and yourslef).

    Regardless, you are still a Forensic Proctologist in my book.
    (That’s a guy who stick his finger up the rear-end of a cadaver if you had any doubt about what it meant)

    Comment by Mytwocentsworth — August 24, 2006 @ 12:51 am

  7. Frank, nothing you’ve posted so far indicates any expertise in anything besides BS. If posting on a site makes you a recognized expert, then so am I. If being licensed makes you a recognized expert, than so am I. If you are or ever were actually licensed, you are proof positive that possessing a license doesn’t mean you know or care about the law, let alone that you are a reasonable, rational or ethical human being.

    Your desperation is remarkable, like a rabid beast frothing at the mouth all over the blog, trying to get your teeth into it with fantasies of ripping it apart. It seems the only one you may be fooling is yourself with your long rambling ranting convoluted contradictory inside out upside down and backwards posts. Why would anyone believe anything you have to say? You have no credibility whatsoever, whoever you are.

    You just show up proclaiming yourself an authority and trashing Bud and anyone who dares question or contradict you. And you expect that to work? LOL

    This is typical of a really bad collector mentality. You’re fascinated with dominance and constantly attempting to belittle and intimidate. But run into someone who sees you for the little gnat you are, and you whine and fuss and fret about how UNFAIR it is, lol.

    I distinguish between good and bad collectors. I work with both. A good collector does his or her job within the framework of the law and behaves ethically and morally in the process. A bad collector does all the opposite.

    What you’re doing here is a great example of what BAD collectors try to do to people everywhere, all day long. And THAT is why this blog even exists. This is GREAT for consumers to see unfold right before their eyes: Dirty Debt Collector Psyche Tactics 101. 🙂

    Here’s a summary:

    1) Present yourself as an EXPERT. Of course.
    2) Belittle whoever you want to control.
    3) Spread lies as thick and fast as you can.
    4) Demand obedience!
    5) Throw as many words at them as you can so hopefully they’ll get too confused and tired to argue. Last word wins!
    6) Whenever you’re challenged, try to turn the focus on someone else ASAP
    7) Act like YOU are in control at all times

    This is business as usual when dealing with an abusive slimeball collector. Go ahead and deny it all you want. You’re so obvious, it’s downright hilarious.

    Thanks for providing a great example to work with 🙂

    Comment by JAN — August 24, 2006 @ 1:00 am

  8. AAA+++++ for JAN!

    Comment by Bonnie — August 24, 2006 @ 12:08 pm

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