The Credit System is Setup to Fail You | Vance Dotson - ON THE PURSUIT PODCAST (PRST)

Episode Transcript
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Speaker 1 (00:02):
Welcome to the On the Pursuit podcast, where we
connect with entrepreneurs,movers, shakers and business
owners who've built amazingthings on the pursuit of their
goals and dreams.
And I'm your host, brendan Boyd.
What's up y'all?
Welcome to another episode ofthe On the Pursuit podcast.
We connect with six, seven,eight figure entrepreneurs.
Right, they got a lot ofinformation.

(00:22):
We want to bring you theinformation.
We want to distill thatinformation in ways that you can
understand.
On today's podcast, I got myguy, vance Dawson, all the way
from OKC.
I've never been there in mylife.
You're going to come.
Is it a real place?
Oh yeah, I know they had abasketball team that was lit.
Well, actually, y'all got Seannow.

Speaker 2 (00:41):
Oh yeah, he lit.
Oh yeah, man, they stilldeveloping.

Speaker 1 (00:45):
You know what?
So I'll come.
I'll come this fall.
All right, I'm an.

Speaker 2 (00:49):
NBA bat It'd be a good way.
Yeah, no, I got it Like.

Speaker 1 (00:52):
November Tickets on me Like November.
Yeah, let's do it.
All.
Right, man, let's do it fromthe internet.
You be really getting at people.
Yeah, I was actually on a liveone time with you and actually I
think I got on a live after Iseen a story of you was going
crazy at somebody.

(01:13):
You know what I'm saying.

Speaker 2 (01:14):
Who was that somebody ?
Because I like to talk verydirectly.
I don't remember.

Speaker 1 (01:18):
I just remember I was like yo man, really spicy right
now, yeah, real spicy right now, yeah.
And then I see you, it wasprobably Tony Tony.

Speaker 2 (01:23):
Tony the Closer, tony Robinson Probably, that's
probably yeah.
Because, see, you know, I thinkTony's lane is like wholesaling
real estate or something likethat.
You know what I mean.
And somebody, somebody, he hadput my program on the green

(01:45):
screen on the back of him and hewas talking trash.
It was like three o'clock inthe morning or something.
So when I seen it, when I wokeup at like five, six in the
morning, but then he had took itdown, you know when I was going
to respond.
So I'm like man, look we, wedon't do that, bro.
If you're going, you're going.
So I'm like man, look, we don'tdo that, bro, If you're going

(02:08):
to throw a rock, bro, it is whatit is.
So it was, you know, severalposts made.
He talked about I'm going toput you in a blunt.
So I'm like I don't really knowwhat that means.
Do it, you know.
And, yeah, man, just, you knowhe blocked me and all of that,

(02:29):
but really it ain't no real beeflike that, no smoke.
I really don't know him, hedon't know me.
So you think he was just, hewas just trolling for real.
Well, he couldn't be introlling because I mean, you
know, it really ain't nothing totroll about.
You know what what I mean.
So, but you know, if I do seehim, it's a draw the line.

(02:49):
It is what it is.

Speaker 1 (02:51):
So how are you actually?

Speaker 2 (02:51):
helping people out here.
So it starts with the FairCredit Reporting Act, which I'm
going to say FCRA.
It starts with the FD CPA also.
So that's the Fair DebtCollection Practices Act also.
So that's the fair debtcollection practices act, and so
, um, you have a lot of peoplethat's doing credit repair and
uh.
So, to stand out, I justdecided to pick um the lane of

(03:14):
dealing with the fdcpa, which isdealing with debt collectors,
because I seen that debtcollection industry growing,
yeah, and I'm gonna just say itwasn't nobody policing the debt
collectors.

Speaker 1 (03:28):
I'm going to keep it a buck, bro.
I feel like that's actually nota bad industry to buy a
business in.

Speaker 2 (03:36):
Yeah, you know what I'm saying.
To like to buy the debt yeah.
Yeah.

Speaker 1 (03:39):
Like if you're looking for aprofitable niche to get into.
Like if you're looking for aprofitable niche to get into,
these companies is making a lotof money because the average
consumer is afraid of a debtcollector, You're right.
So the average consumer isgoing to pay.
A good percentage of them aregoing to pay regardless.
I've paid debt collectors inthe past before I had the

(03:59):
information to know that Ididn't necessarily have to pay
them because my debt's not withthem.
They just purchased the debt.
They just purchased the debt.
So if you're a middleman andI'm not advocating anyone to do
this, but it's I mean we're inAmerica, yeah, so like you could
go in that lane.
It's a multi.
You know, it's a multi-milliondollar.
You know what I'm saying?
Bill industry yeah, so you gotthe disposable income.

Speaker 2 (04:23):
You can purchase a debt collecting company or you
can start your own, and this isthe thing too, man in an
oklahoma, while from you don'thave to have a license to even
be a debt collector?
Yeah, and I heard about thattoo that's crazy.

Speaker 1 (04:36):
I heard about that too.
There's some states where youcan have a license to operate
but you don't have to have one.
So so I heard I think I heardher one of Herman's people talk
about this.
You know Herman Doser, yeah,the ancient CEO.
So he had one of his partnerson, they was doing a live or
whatever and she was talkingabout.
It's easy to dispute a debt ina state where a debt collector

(04:59):
doesn't have a license tooperate.

Speaker 2 (05:01):
Yeah, I wouldn't rely on that, because that debt
collector doesn't have a licenseto operate.

Speaker 1 (05:05):
Yeah, I wouldn't rely on that, because that death
collector doesn't have a license.

Speaker 2 (05:07):
Yeah, I wouldn't rely on that like that.
But you know I mean whateverfloats in people's heads to get
the job done.

Speaker 1 (05:13):
Well, I guess what I'm saying is every state is
different.
Yeah, you're right.
So like there's some stateswhere you don't even have to
have car insurance, Let me stayout of that state In.
Florida.
You don't even have to wear ahelmet on the motorcycle or bike
.

Speaker 2 (05:27):
I think that I think it's like that in Oklahoma City
too.
See, you know what I'm sayingso.

Speaker 1 (05:30):
what I'm saying is it's like every state has
different parameters.
There's different laws, youknow what.
I'm saying Like we technicallycould, because federally it's
illegal.

Speaker 2 (05:50):
Yeah.

Speaker 1 (05:50):
So there's a lot of different nuances with these
laws.

Speaker 2 (05:52):
Yeah yeah, I kind of struggle with that too.
It's just like, ok, the peoplethat I'm, you know, advocating
for that, these companies is thedebt collectors is coming out
to people for that thesecompanies is the debt collectors
is coming out to people.
They don't have to have alicense.
But here it is me doing creditrepair.
I have to have a license, youknow.
So it's, it's certain.

(06:13):
It's certain things that I canor can't say let's touch on that
, bro, because that'sinteresting.

Speaker 1 (06:18):
Yeah, you even saying that I, you know now thinking
about a lot of people thatoperate in the space.
I don't think I've heard a lotof messaging around.
I'm licensed to do creditrepair.

Speaker 2 (06:28):
Yeah.
So let's talk about that.
Let's talk about the good, thebad, the ugly, right?
So my approach to helping aconsumer is using the federal
court systems.
So I'm punching these companiesin the mouth.
The biggest case I ever had was$1.7 million from a jury.

(07:01):
Fdcpa-wise it was $1.5 millionnot licensed and the state says
you have to be licensed.
So I got, I got five, fivethousand dollars, uh, for not
being licensed and then fromthere you know that, like, like,
when it first happened, I wassalty.
How much was your license?

Speaker 1 (07:18):
uh, it was like a probably like a thousand dollars
so it cost you six thousanddollars to learn the list?
Yeah, essentially.

Speaker 2 (07:25):
Yeah, no, when it first happened, bro, I was salty
, but now it's just like youknow, that's like that weight
lifted off your shoulders no,100%, because you don't have to
worry about it.

Speaker 1 (07:34):
Yeah, no facts, but two things I think there is.
Number one it costs you themoney to learn a lesson, mm-hmm,
right, right, which is not badbecause you get the money back,
right, you just, you just investin yourself.
And then two when you look atpeople doing defense, they're
gonna look for strategies andthings to just win the case.

(07:54):
Yeah, they don't even gotta,they don't gotta be right or
wrong, they're trying to win thecase oh yeah, you know what I'm
saying.
So.
So if you're in a room and it'slike formal attire, it don't
matter.
If the information you got isright, you, you, you wearing
t-shirts and sneakers, yeah, Idon't want anything else.
You shouldn't even be in theroom.
So that's how to come.

(08:14):
That's how to come in at you,yeah yeah, that's what it was.
That's what it was so it's like, they're like, how could we get
them?

Speaker 2 (08:20):
yeah, like see on my social media.
I'm kind of like I'm justmyself man.

Speaker 1 (08:25):
Yeah.

Speaker 2 (08:25):
I was just like dude.
I can't be like Brandon.
Yeah, you know what I mean.
I can't be like whoever else.
I'm just be me.
And you know, just being me hasled me into position to where I
am today.
But the attraction on it on theother side is real Like.
So, say, for example, like Isay I'm in, I'm in federal
courts all over the place.

(08:46):
So the first thing they want todo is screenshot my social
media and then, uh, you know,just have all them type of
exhibits.
But my thing is, um, I'm likedude, I haven't broke the law.
So you know, it's a, it's a.
There's something called amotion for lemony and you know I
get it thrown out every timebecause it has nothing to do

(09:07):
with the case.
But they just trying to paintthat picture with a judge, like,
look at what he's doing.
Every time they hit me withlike, oh, this is manufactured.
And I just like, how?
Like, when you're constantlycalling a consumer, how am I
setting this up?
How am I setting this up?

(09:28):
If you send in a consumer, aletter, or you text in the
consumer or you email in theconsumer, how am I setting this
up?
How is this manufactured so?
So I'm always, you know,combating that which now is just
like oh.
At first I was liking myfeelings about it, like dude, I

(09:48):
was like man, I want to get themfor defamation.
But then it's litigationprivilege, where you can't do it
, and now it's just like oh,you're doing that now.

Speaker 1 (09:59):
So let me ask you this right why would someone
want to sue a debt?

Speaker 2 (10:03):
collector?
Well, because they'reinfringing on your rights, right
.
Why would someone want to sue adebt collector?
Well, because they'reinfringing on your rights, right
, they're infringing on theFDCPA.
So say, for an example you have, on a very basic level, let's
just say, invasion of privacy.
So say, for an example you'redoing whatever you're doing and
then you hear that ding from atext message that's invasion of

(10:26):
privacy.

Speaker 1 (10:28):
If it's unwarranted.

Speaker 2 (10:29):
Unwarranted Yep, yep, yep.
Intrusion upon seclusion.
So we bring cases like that ondebt collectors very often and
you can do intrusion uponseclusion several ways Right,
the emails, the letters, thephone calls, things of that
nature.
So you got to understand.

(10:50):
The FDCPA is written up for theleast sophisticated consumer
and so what you have is acompany who don't believe that
the consumer is going to takeaction when it happens 100%.
And that's where we get themoney at, that's where the money
is.

Speaker 1 (11:10):
So when you're suing a debt collector, what are you
suing them for?
Is it like a standard amount ofmoney that you're suing them
for or just does it depend on?
Is it case by case?
Most cases.

Speaker 2 (11:20):
Yeah, everything is case by case, but statutorily
we're only talking about $100 to$1,000.

Speaker 1 (11:27):
But you also Per case , yeah, per case.

Speaker 2 (11:30):
Yeah, yeah Per lawsuit, yeah, per lawsuit, but
you also have actual damages.
So there was a case that camedown the Ramirez versus
TransUnion case that came out ofthe Ninth Circuit and went all
the way up to the Supreme Court,and so what that case did in

(11:52):
all federal courts is you cannotbring a lawsuit unless you have
actual damages.
Um, I think and it's been onthe up for me because when they
come and low ball, I will alwaysbring that case up like hey,
you know this case right here,we got to have actual damages.

Speaker 1 (12:16):
So set aside the statute, the statutory
requirements, let's talk aboutactual and so it brings up the,
uh, the settlement a little bitmore to you.

Speaker 2 (12:27):
I mean, you sound like a lawyer, though for real
man.
I I mean to be honest with you,man, I never did even finish
high school.
It's just something I just staywith, stuck with you know, um,
and, and, and this is the theproduct.

Speaker 1 (12:39):
You know what I'm saying well, what, uh, what made
you choose this lane though?
Because, because you mentioned,like in obviously there's a lot
of noise in terms of people inthe space, but you chose like a
certain angle where I don'treally hear a lot of people talk
about.
I think when I first learnedabout you know your content and
kind of what you do youdefinitely stood alone, because

(13:01):
I'm like I don't really hear noone talking about selling to
debt collectors.
You're hearing about Metro too.
You hear about consumer law.
Yeah, you know, you hear aboutthe.
You know, just just you knowwriting letters.

Speaker 2 (13:11):
Unlike the other ones you justmentioned, I'm into permanent
results, right?

Speaker 1 (13:18):
So so you can't.
So you say you can't getpermanent results with consumer
law, you can't get permanentresults with Metro 2?

Speaker 2 (13:25):
Well, say, for an example, when you say the term
consumer law, that's broad to me.
So when you go specific anddive into it, are we talking
about the Fair Credit ReportingAct or the Fair Debt Collection
Practices Act?

Speaker 1 (13:43):
And there's hundreds of more consumer protection
statutes.
I guess what I'm saying ispeople in the space.
When I hear Metro 2, I thinkabout certain people that use
Metro 2.
When I hear consumer law, Ihear a couple of people come to
mind about that.
When I hear suited debtcollectors, you're the only
president coming to mind.
So the other two lanes with feeand credit repair, I hear those

(14:04):
a lot more.
Yeah, man, and even what's theprocess when you're just writing
letters.

Speaker 2 (14:11):
Well, this is the thing.
So if you was to come and getmy services before my phone
rings, I have a strategy BeforeI even accept money from people,
before I even accept money frompeople.
So that's the differencebetween me and other credit fair

(14:31):
companies or things of thatnature.
So say, for an example man, youalways want to have that
strategy.
That's going to be that oneshot.
Like that one ain't nothingperfect, but you just need that
one strategy.
That's just going to be thatone shot.
Like that one ain't nothingperfect, but you just need that
one strategy.
That's just going to be thatone shot.
So it depends on the consumerhow they're contacting me.

(14:53):
So say, for an example, if it'sa consumer contacting me based
on phone calls, so I'm going tobe like hey, pick up the phone,
go get something to record with.
Don't matter if you missed acall, it's calling back and say
hey, you know I'm at work rightnow and it's not a good time to
talk, and you don't have to justend a call from there.
You know just when is a goodtime to call you back?

(15:15):
Well, I'm not sure right now,but on that second phone call,
do the same thing you just did.
I'm at work right now.
It's not a good time to talk,let the phone conversation fizz
out.
Contact me, I can get you paid,just them two phone calls.
Again, it depends on how theconsumer is contacting me.

(15:37):
So if the consumer is saying,hey, you know, I'm getting the
email, I'm getting the text, allof them methods is different.
So say, for an example, if thedebt collector is on my credit
report, I figured it out to ascience because a lot of
companies is using chat GPT.
So what I figured out is chatGPT.

(16:01):
We're talking about textmessages.
A couple of words, shortsentence chat GPT can pick it up
.
So if it's long form, chat GPTcan pick it up.
So guess what I'm doing?
When they say, hey, somebodytexting you long form, long form

(16:25):
response, yeah, so that the nowchat GPT ain't going to pick it
up, and then they're going toviolate that law, gotcha.
So it just depends, man, youknow, on that credit report.
Man, that credit report is notworth the money that people is
putting on it.
It's worth more than that, andso so give me an example.

Speaker 1 (16:46):
So when you say that, what do?

Speaker 2 (16:47):
you mean by that?
So say, for an example, mansettlements usually be between
low end.
We're just going to say low endreal quick, about twenty five
hundred bucks, and I've been apart of, you know, FDCPA
settlements.
That's just in between.
It just all depends on theactual damage.

(17:09):
You know, I have a case rightnow that I'm going to.
I have a case right now thatI'm going to.
We want to settle north of$100,000 because, one, it was
not the lady's debt, so we gotactual damages right there.
Two, the lady told them to backoff.
They didn't back off in federalcourt getting ready for

(17:36):
deposition, things of thatnature to where we're just going
to put her official story onrecord and then we're going to
move to do what's called asummary judgment and then we're
going to move to hire an expertwitness to analyze her actual
damages.

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(18:14):
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Let's go.
How long is a case on?

Speaker 2 (18:21):
average.
So it just depends right.
So say, for an example, whenyou first file a lawsuit and
then you serve it, they got 21days to answer.
So usually, just out the blue,they always ask for a little bit
more time to respond to thelawsuit, but usually in that
whole time since they get thatlawsuit they're trying to settle

(18:43):
, they're trying to see you knowwhat the actual damages is,
what's the consumer's number,things of that nature.
So so like.
So let's say, you're dealingwith about two months of just
lollygagging because they gotthat right to say, hey, we just
got hurt on a case, we need moretime to investigate this.

(19:17):
So once that answer is put in,usually what I do is I like to
strike their answer becausethey're going to come with a lot
of bland information, they'regoing to deny a lot of
information, and so if you canprove up front, they like to
just say, for an example, liketo deny that they're not a debt
collector.
Okay, well, now we're finishedto go into some motion practice.
So we're going to make themwork.
At that same time, I like to,when I do my motion to strike, I

(19:39):
like to at the same time, do a26F conference.
So now we're going to get infront of the judge and go into
discovery on a 26F, right offthe top, boom.
So that's making the other sidework more than what they want
to work.

(20:00):
So right off the top, man.
So now they got a lot of work.
So then here comes what'scalled a joint status conference
.
So before the joint statusconferences I didn't got a lot
of work done or accomplishedbefore the judge even gets
involved now.
So now, if it comes to thatjoint status conference around

(20:22):
that time or a little bit afternow, I'm going into a motion to
compel.
So now the judge is like man,motion to compel, like you're
ahead of the the game, becausewhat they try to do is they try
to lollygag and just drag theirfeet.
That's what defense firms doall around the country.
So to get ahead of that and tobuy just a little bit more time

(20:48):
is just that's how I'm alwaysvictorious on that.

Speaker 1 (20:51):
What type of clients is like perfect for the service
you offer?
Right, because you help withpeople get, like these, debt
collectors, off their creditreports, right?
So so someone's like thatsounds like a lot of time.
I'm going to just do you knowfactual disputing, or I'm going
to do you know.

(21:12):
I'm going to find it sounds likemore time with that.
Or I'm going to do you know,I'm going to find a law and
remove my joint, or I'm going todo Metro 2.
Why would somebody want to goyour route, as opposed to some
of the other routes they heard?

Speaker 2 (21:23):
Again, permanent results right.
So I don't know much aboutfactual dispute on Metro 2.
But I know with suing the debtcollector in federal court
they're not going to releasethat information to another debt
collector.

Speaker 1 (21:38):
Okay, so what you're saying is basically if I sue the
debt collector, the debt gone,Debt is gone Once I win the case
, Well before because they wantto do damage control.

Speaker 2 (21:51):
Okay, yeah, got you.
So they want to say right offthe top hey, what's going on?
So a lot of the times theyremove it off the credit report
and then they you know, we'retalking numbers a lot of the
times, a lot of the times, thedebt ain't at issue.
Um, it's the money part.
That's the problem, becausedebt collectors buy the debt,

(22:11):
they buy the debt.
They buy the debt For pennieson a dollar, yeah, so they don't
have too much invested in thedebt.
So it's always the money that'sthe problem.

Speaker 1 (22:21):
So some of the other ways you're saying that debt can
come back and it can come backfrom someone, definitely,
definitely, with factualdisputing and Metro 2.
And someone else can purchasethat debt and it can be back on
there with a new company.

Speaker 2 (22:36):
Oh, yeah, yeah, that's common, yeah, so, but
this is the thing, once I getinvolved and get to soaring
these companies, that has neverhappened.
So that's the thing.
So I had a guy who recently hewas with a big debt collector,
lvmv, and they sent him a letter.
So it's a certain way that yougot to respond to the letters

(23:00):
and obtain a violation.
It was like a $48,000 debt.
So, instantly, see, I'm notinto funding right.
So I instantly knew, becausewhen I seen his credit report,
it was like $48,000, $60,000,$75,000.
So I'm like man.
So I hit him up.
When I seen his credit report,it was like forty eight thousand
, sixty thousand, seventy fivethousand.
So I'm like man.
So I hit him up and I was like,bro, like whatever you're doing

(23:21):
, you know how to do it.
And like what is it that you'redoing, right?
So he was like, yeah, man,funding and this and this.
So I'm like, ok, cool.
And so I was just like, beforeI took his money, I was like,
bro, look, if you ain't tryingto sue these people, don't give
me no money.
So I set the expectations upfront and so when that violation

(23:42):
occurred, we moved, filed infederal court.
They forgave him of the debt,waived the debt, gave him some
money, took it off his creditreport.

Speaker 1 (23:55):
So this is a dude that was intentionally funding,
though he was intentionallygetting access to capital, oh
yeah.
And then he sued him.
Oh yeah, so so did he.
Did he um that, the fundingdebt that he was getting?
He basically ran that up, so hemade he made that debt on
purpose, essentially, yeah.
And then he got it wiped, ohyeah.

Speaker 2 (24:14):
Yeah, oh, yeah.
So I run into situations likethat quite frequently in today's
time.
But you know, a lot of thingsthat's going on is medical, a
lot of medical debt.
Yeah, medical debt.

Speaker 1 (24:27):
College debt.

Speaker 2 (24:28):
Oh, student loans.
Yeah, man, if you go on Pacerand look it up, I had this thing

(24:50):
going on that they stopped.
But basically a lot of peoplecouldn't afford the services
where I come from, east side ofOklahoma City, so I just made up
a standard contract loan debtand sued for this lady you know
won the case and I was just likedang.
So I just kept doing it, keptrepeating it, kept going to you
know different people.
I probably did that for over 10years.
So the thing about that is likeI'm still salty to it, to this

(25:14):
second, you know, because I Ilook at it like you had to cheat
me to beat me.
And so once you break it down,if I was to ask you like is a,
is a car a tort claim, meaningno contract, or a car has a
contract, a car a car car?

Speaker 1 (25:32):
Car Wheelie Baratari.
Yeah, yeah, yeah, you thinkthat Does it have a contract or
not have a?
Contract yeah yeah, not have acontract, a car.

Speaker 2 (25:40):
So you go to your car lot and they say hey, man, my
name's Brandon.
They just give you a car.

Speaker 1 (25:43):
Oh, you're saying it like that.
Well, no, it has a contract, ithas a contract.
So let me ask you anotherquestion A credit card.

Speaker 2 (25:56):
Do they just give credit cards or do you agree to
this?
No, you got to agree to it,okay, cool.
So let's say, student loans.
Do they just give you all thismoney or do you agree to these
terms?
You got to agree to the terms,all right, cool.
The court said that because ifanything is based in contract,
bro, you can just transfer it,you can buy, sell, do whatever

(26:18):
you want.
It's the same thing that debtcollectors is doing.
I just did it in a reverse withthe consumer.
Okay, I got you.
Yeah, I just did it in what thedebt collectors is specifically
doing.
So I did the same thing, thesame thing that the debt
collectors is doing with, say,for an example, citibank.
I did directly with theconsumer and the courts come

(26:41):
back and said it's a tort claim,right, no contract, it's no
contract.
I'm like dude.
So the basis of the FDCPA is ithas to be a contractual
obligation for the FDCPA to kickin.
So say, for an example, if itwas like a toll debt, at the

(27:02):
time you run that toll, it's nocontract.
Right and taxes the time yousay you don't pay no taxes or
pay taxes, it's no contract.
So the FDCPA don't govern oneof them.
So the courts come back, theappeals court come back and say
that it's a tort claim, theFDCPA is tort inclined.

(27:24):
So I said man, that's whatever.
So I had to restructure realquick my business.
It really didn't stop anything.
So I contractually gave it backto the consumer and then we
just followed the case.

Speaker 1 (27:45):
So did they change the law so no one can buy
consumer debt like that or justfor that one case.

Speaker 2 (27:52):
The way you know, probably like three weeks ago, I
really looked back at thatruling and was just figuring out
, like how can I scratch thisand start all over but do it
right, yeah.
So that was just like they wasemphasizing on the assignment of
the claim, right, but theydidn't say anything like hey,

(28:18):
you're not contractually wantingthe debt, you're just wanting
the claim.
So say, for an example, likethe podcast I've heard you say,
like you can take, you can justshoot something and then there's
audio come with it, thenthere's a video to come with it,
then you can do something elsewith it.
So that was just like you'rewanting to you know the claim

(28:41):
part, right, so yeah, but not,not, not on the whole the whole
thing, take responsibility ofthe whole thing.
So I'm scratching my head onthat.
You know what I mean?
Yeah, that's just language yeah, they're not.

Speaker 1 (28:53):
They don't sound like they're independent of each
other.
Yeah, they're just.
They're talking about a tent.

Speaker 2 (28:58):
Yeah, you know what I'm saying exactly that's what,
that's what it sounds like, soyeah, so I'm kind of scratching
my head on that.
So yeah, man, that's that's.
That's that's what I'm gonna dountil they put dirt on me so
how do you get your message outto more people?

Speaker 1 (29:10):
because it seems like you got, you got a.
You know the way your strategyor the way you go about it is
getting.
It's like you're liketerminating.
It's like, yeah, you're donewith knocking them out, bang
right, oh yeah.
And I mean you educate mebecause, like I didn't know that
this method knocked them outand some of the other methods,

(29:32):
the debt can come back.
Potentially, it can bepurchased by another debt
collector.
I think it's even moredangerous man, how so?

Speaker 2 (29:39):
Factual dispute in Metro 2, to me you have to be.
If you're going to do somethinglike that, you have to be on
your game, like you got to be atthe top tier of your game.
You got to be well-roundedbecause, yeah, it comes off the
report, but you're still liablefor the debt.
So now they take it off yourreport but they sue you.

(30:00):
What you're going to do?
Is that likely to happen?
Oh, yeah, well, let's talkabout that, because you got to
understand that you got the bigdogs which is middling credit
management portfolio and lvmv ummiddling last year, in 2023,
made 1.7 billion dollars oncollecting debt.

(30:23):
Yes, they collect um defaultedconsumer credit card debt.
So say, for an example, man, Imean 1.7 billion.
That's a lot of money, you know.
So when you look at any courtrecord and just type in Midland
Credit Management, they dominateit.
They dominate every singlecourthouse records ever.

(30:49):
It's them.
So say, for an example, it'sthem.
So say, for an example, it,yeah, it comes off to report,
but they sue you.
Now you got to know how todefend that.
So a lot of people is justuneducated on, say, for an
example, disputing right, butnow defending is a whole

(31:11):
different ball game, you know.
So I think it's very dangerousfor the consumer to be doing
that and not having somebodyreally to back them up.
So, like I say, my approach isjust let's just really nip it in
the bud permanently and thenyou don't have to even worry
about it coming off the report,not coming off the report,

(31:32):
somebody suing you or not.
We got a contract from the debtcollector saying we fenced away
this debt.
We're going to take it off yourreport.
We will not collect on thisdebt, no more.

Speaker 1 (31:44):
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(32:07):
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and join us as a vip.
Let's get it.
Are you saying that these debtcollecting companies like
midland right, who purchased,purchased the debt?
Right, they can now sue you forthe debt that they purchased?
It's not really your debt we'redoing so.
Look, you gotta look at it likethis so you have a lot of

(32:30):
industries, period.

Speaker 2 (32:31):
You got a lot of people battling.
You got a lot of people.
It's just chaos.
In america the debt collectionindustry uses the court system
the most in the united states.
They collecting that debt.
You see what I'm saying.
So a lot of people ain'ttalking about that.
That's a whole nother language.

Speaker 1 (32:52):
Yeah, I never even heard about that.
Like that.
That's interesting.
But they're suing you for somedebt that you don't even owe
them.
Like what's the angle?

Speaker 2 (33:02):
So, yeah, so the debt collector purchased the account
or they get assigned theaccount.
That's like the common two ways, yeah, so they, yeah, they use
the court systems to collecttheir money and, you know, get a
judgment, garnish your wages,um, things like that.
Yeah, that's crazy.
Yeah, man, I mean it's a coldgame out here yeah, it's real.

(33:25):
Yeah, you know what I mean.
So that's the side.
That might just come bite theconsumer, but the consumer has
idea.
So the consumer is just lookingfor the benefit of the
information coming off theirreport.
And the next thing, you know,yeah, it might come off the
report, but it's not permanent.
That's what everybody is nottalking about.

(33:47):
So if I can't really servicethe person and really take their
problem and really solve theproblem from a permanent basis,
I don't even want to take moneyfrom you.
So it gots to be, you know, alittle bit of integrity there,
not just because somebody iscalling your phone or DM email

(34:08):
or you know things like that.
So that's the type of you knowintegrity that I just got
running my business.
Yeah.

Speaker 1 (34:16):
Is there a certain client profile that's ideal for
you?
Well, really.

Speaker 2 (34:21):
So yeah, that's where .
I come to based on a report,primarily.
No, that's what, that's whatyou know.
I kind of like, you know, stayup at night trying to figure out
is like man, because I can helpeverybody.
That comes to me with debtcollection or credit reporting
problems, so I'm trying to likehone in on what that looks like.

(34:45):
But it's just like man.
You know, if a DM come, emailor you know somebody call me,
it's just like dang well, okay,I mean I truly can help you.
So I don't want to be like, hey, you know, I don't want to be
excluding people, and then, hey,you said you only help these
type of people.
That's not me.

Speaker 1 (35:07):
So I like to look at the problem first and then it's
just like, okay, I can help you,our chain help you, or this
person can help you, whateverthe case may be or what do you
feel like is the best way peoplecan do a pre-emptive way to
either get the information sothey just stay out of the

(35:27):
situation having a jack tocredit report, or maybe just
they kind of position himself totake less of them those
negative hits.
You know, I'm saying becausewe're not learning about credit
in school.
Yes, it's really I mean so sohow does people kind of kind of
you know learn how they shouldbe going about the ultimate
answer?

Speaker 2 (35:45):
is um education.
You know, just get educated onwhat you're really getting into.
Nobody really gets educated onwhat they're getting into, they
just get into it.
Next thing you know it's a bigmess.
Now you're looking for thesolution and so it's kind of
hard to turn around, you know,and say, for example, if we're

(36:07):
going to use the economy for areason, that'd be, you know,
excuse, it's just all sorts ofthings like death, um affects
people.
You got marriage, marriagesfail, yeah, you know um, just
things that happens in, you know, every day, everyday life.
But I would just say, man, geteducated on something before you

(36:31):
get into it.
I mean, everybody got tips andall this type of stuff.
But just, you know, go withsomebody that got a license to
do it, because you just can't bejust taking information from
somebody.
So, like, if the information iswrong, you can take action on
that person's bot.

Speaker 1 (36:51):
Saying so I would seek out a licensed professional
or something like that so oneof the things that, uh, I feel
like a lot of people strugglewith is getting back in that
situation.
So, after credit gets fixed,after reports cleaned up, maybe
they get act, maybe they dofunding, they get access to
money.
That they got more bags runningup.

(37:13):
You know I'm saying um, what doyou say those individuals to
keep them.
Once we fix the situation, likewe sued the debt collectors,
the debts off, you got a nice,fresh, you know saying credit
report.
You can get busy with it, youcan leverage it.
How did, how do you?
How do people stay out ofgetting new debt collectors on

(37:33):
their report?
Because that happens, that'shappened a lot.

Speaker 2 (37:36):
Pay your bill.
You know what I mean, just tobe honest with you.
But I'm not no funding guy.
You know I'm not.
Let me say it like this I'm notfor funding if you're going to
abuse it, and that's the thingthat people like to do.
Like, come on, man, like youget funding and then you're

(37:57):
going to go get a BBL, you'regetting funding and they're
going to get some rims.
Like, come on, bro, like youknow, you're to your 2024.
We hit a trillion dollars ofconsumer defaulted debt.
So now I've seen, like a memefrom somebody that was saying

(38:30):
one point one, one point likeone, four trillion dollars in
consumer debt.
It's just it's spiking.
And so you know, I don't knowwhat it's almost contributed to,
but I can just contribute alittle bit to that.
Like that funding.

Speaker 1 (38:46):
So someone just hit me.
So with that amount of consumerdebt out here, did that mean
the debt collectors arepurchasing all that debt?

Speaker 2 (38:53):
Oh yeah, that's crazy , bro, every single last.

Speaker 1 (38:58):
Like.
That part just hit me.
So if you have a company thatis purchasing debt and then
you're assigning that debt tocollect on that debt, how
saturated or not saturated inour market, meaning like this,
let's say, you know, I'm like yo, it's an opportunity.
We can make some money.

(39:18):
We get in that space.
Are we competing for debtpurchase or is there so much
debt available we'll be able tosustain and build a company in
that space too.

Speaker 2 (39:29):
Man, this is the you got to understand.
It's not just United States.
We're really in a globaleconomy.
So the global economy we'retouching ninety one trillion.
So I don't think it's any oneperson, any one company that can
just really dominate thatmarket like that.

(39:50):
But in, uh, we're talking justamerican, um, american ways,
american, whatever, it's amidland credit management who
really dominates that industrylike that.
So they're the big dogs andthen, like I say, in 2023 they
collected, uh, you know, over atrillion dollars.

(40:13):
I mean a billion, I'm sorry, abillion, a billion dollars.

Speaker 1 (40:17):
That's crazy, bro the way that you kind of explaining
this, like I'm definitelygetting way more clarity and I'm
hoping, like people kind ofpick up on it because I mean you
got these companies.

Speaker 2 (40:27):
That's basically like they're like bullies, yeah, you
know, I don't want to saybullies, I wouldn't, I wouldn't,
I wouldn't.
Just, you know, put thatpicture out there like that.
Let's, let's, let's be fair toeveryone.
Like you didn't, you didn't paythat bill, so they're
collecting that money that youowe, right?

(40:48):
So, and, and what I'm justsaying is it seems, seems wrong.

Speaker 1 (40:54):
I mean, okay, look, let's think about this.
You got to hold me here.
Yeah, you know what I'm saying?
Shout out to him, you know whatI'm saying Right.
So let's say, kwan loads yousome money, mm-hmm, right, he
loads you a band.
Mm-hmm, Six months go by, youdon't pay Kwan a band, right?
Mm-hmm, kwan tells me me andKwan hooping.

(41:16):
Now we hooping Choo-choo-choo.
We hooping one-on-one whatever,whatever.
Like what you got going on,nothing.
You seen your vans?
Nah bro, I ain't even rockingwith vans.
Yo bro, I live in the band.
He ain't paying me to be in.
I'm like yo sign this document,can I collect on that?
He's like yo bro, I don't carebecause I'm not even getting the

(41:37):
money.
So if you get it, you get it.
Maybe I hit him off with $100or something.
Yeah, you know.
Now I'm ringing your phone,banging your line text email.
Snapchat.
I'm pulling up on you.
I'm like yo, let's go to lunch,but yo, where's that thousand

(41:58):
that you ain't paid?
Quant, you know what I'm saying.
Like I'm really hitting youwith it.
That's what's going on.
Yeah Right, essentially.
Oh, yeah Right, but are youpaying me the $1,000?
Most likely, you're not payingme that $1,000.

Speaker 2 (42:14):
Well, put it like this you know what?
I'm saying or or or, if youSnapchatting me and calling and
texting and emailing me about adebt.
Yeah, you finna end up infederal court.
I'ma turn you up.

Speaker 1 (42:26):
Yeah, but what I'm going to turn you up, yeah, but
what I'm saying I could go toKwan and people that Kwan know
and friends that I know.
I mean you doing your thing,but I'm just trying to make it
make sense.

Speaker 2 (42:39):
No, you can't do that .
Yeah, I'm trying to make itmake sense.
You can't do that.

Speaker 1 (42:41):
So I can go outside, like I live in Miami.
This is a big part.
There's people out here all thetime, thousands of people, yeah
.
So I can just make thisconversation and say, yo, who
ain't pay you, who ain't pay you, who owe you money?
Right, I can collect all thatdebt up, get all the name notes
and emails, and I can just bangtheir lines and I can just get
the bread.
Oh yeah, I can pay them inadvance, like here, here's the

(43:03):
order.
He owe you.
Two bands yeah, here's 200, orwhatever the case may be.
Yeah.

Speaker 2 (43:08):
Just just say you know you following all the
guidelines.

Speaker 1 (43:11):
Yeah.

Speaker 2 (43:12):
Yeah, it's not.
It's not illegal about that.
That's crazy, that's the wholeindustry.
Trillions, trillions.
Look, if you got a debtcollector reporting on to your
credit, you got a debt collectortexting you, calling you,
emailing you.
You got a debt collectortexting you, calling you,
emailing you.
All you got to do is go over toVanceDodsoncom, get on a wait

(43:33):
list and, when you're notified,take that chance, book a call,
reach out on social media andlet's get the help that you
deserve Would you ever be inthat industry?

Speaker 1 (43:45):
Nah, man, would the information you know?
Nah, couldn't be, so you're notdriven by the money.

Speaker 2 (43:49):
I'm driven by the money, but you're not.
I'm driven by the money andpassion.
Anybody tell you this is notabout the money man, they a liar
, bro, but you ain't reallydriven by the money.

Speaker 1 (43:58):
You're driven by the money, but you're not really
driven by the money.
Because I heard you on severaloccasions say and I'm not saying
you don't, but in acapitalistic society with a
company that that is profitdriven, is is revenue first.

Speaker 2 (44:21):
Yeah, yeah, man, that's the, that's the thing
that once again I struggle with,like so say, for example so
yeah, so you're non-profitcompany, I'm for profit.

Speaker 1 (44:29):
You're non-profit straight, straight for profit.
Now, you're non-profit straightfor profit.
Well, it's, it's, a little,it's a little.
Do you have a non-profit arm?

Speaker 2 (44:37):
straight profit, straight profit.
Straight profit, no, but youknow I look at it all right.
So perfect example man, a ladycalling me and I'm she like I
gotta figure out what you'recoming to me for.
So I'm I'm telling her well,she wants to increase her fico
score.
So I'm like, look, go get asecurity credit card from a

(45:01):
local credit union.
So, off the top, people justonly think about navy federal.
And I'm like, okay, it, it'smore you know credit unions out
there that offers better youknow products than Navy Federal.
So she calls me back.
Matter of fact, I mean shecalled me at like 11 o'clock at

(45:23):
night.
I'm like, hey, who this?
She talked about some creditrepair.
I'm like 11 o'clock at night,I'm like, hey, who it is, she
talked about some credit repair.
I'm like 11 o'clock at night,I'm like dang.
So I said, hey, you know, go goto a local credit union and,
you know, obtain a secure creditcard.
So she comes back.
She's like I did, or I plan ondoing, two to three hundred

(45:43):
dollars, right.
So I'm like, man, I don't knowabout that, but OK, cool, do
that, because that's a start.
And then, hey, go do at leastfifteen hundred.
So now this was reallyliterally yesterday.

(46:03):
She, she is like yeah, so yeah,they said that, uh, the car can
be in the mail and this, and Igot approved to do it.
So I'm still not clear on if sheeven put the money up.
Because what I'm trying to doif somebody come to me about
increasing a FICO score, I'mreally trying to heal the

(46:25):
relationship that they got withmoney, because really, people
got a messed up relationshipwith money.
So, like you, you'll probablyuse money like a hammer.
Like you know, you're usingmoney in a different way than
what an average consumer woulduse the money for, and so what
I'm trying to do is repair that.
So I want to see people investin themselves.

(46:47):
So this is the thing.
I want to see people invest inthemselves.
So this is the thing.
So now I told her hey,screenshot your score, go get
that secure credit card.
And she tells me like, oh, ok,if I was to get it up to fifteen
hundred, it'd be three months.
Ok, cool, look, track yourprogress.
So because people have peoplehave it in their mind like, ok,

(47:14):
I'm going to give you thisdollar and I want that lollipop,
now, of course, 100%.
So to see the plant grow.
Consumers don't see that, sothat's what I'm trying to get
people to see, or her to see.
So she was just like well,it'll probably take me three
months.
Okay, then call me back inthree months.
So I know if, when I get to thepoint to where, okay, I'm finna,

(47:34):
accept money from you, you'regonna see a lot um increase when
I get involved, because you'regetting the hardest part out the
way, which is building credit.
So consumers think buildingcredit is you paying the credit
repair company, and now you justgot the 700.

(47:55):
No, it don't work like that.
So you got to create captivity,which is space in between
primarily credit cards, to getthat increase that the consumer
wants to see.
So I want to get that out theway, because if you don't get
that out the way first, you'regoing to have a bad customer

(48:15):
Like, hey, what's going on?
It's like, but I'm paying you,what's going on?
So it's just like, dude, I'mtrying to tell you to go invest
in yourself and you haven't didthat.

Speaker 1 (48:27):
So let me ask you this With that same customer as
an example, right?
Because you were telling meyour nonprofit is for profit.
Yeah, yeah.
So why not someone like that?
Why not potentially throw herin, let's say, a community right
For three months?
That might be low.

(48:48):
Ticket could be $49 a month,$69 dollars a month, where she
stays in your environment, rightOf education, and she stays in
proximity to the information,where you can help to grow that

(49:11):
mindset and she can kind of geta newer understanding and a
newer relationship with moneywhile she's doing a strategy
that you or applying someinformation that you gave her.
Yeah, right, um, the reason whyI'm saying that is because,
like, she's making a smallinvestment, but it's an
investment.
You you did give her someinformation, you helping her.
She may not be ready for thenext movement because she's

(49:31):
still got that 90 days that shehas to, you know, in her case
obtain and utilize the securecard, work it, build some
relationship and then hopefullyit'll be, you know be ready to
either become unsecured, or theygive her more money, or they
give them more money, and inthat way it's like you have a
customer at a starting periodand then she can graduate to,

(49:53):
let's say, the next level, orshe can stay in that level if
she want, based on where she'sat.
Yeah, and you're still able tohelp that person.

Speaker 2 (50:01):
Oh yeah, oh yeah.

Speaker 1 (50:02):
So that's something that you know I haven't put in
place, yeah because I think thatwould be cool, because, like
just being able to, I mean, youdon't got a, do you have a
community?

Speaker 2 (50:14):
No.

Speaker 1 (50:14):
So, just so, let's say, I'm working with you, I
don't know, for four months orsomething, six months, whatever
how long is it going to take foryou to fix my situation?
Let's just say hypothetically,uh-huh, do I got access to you
in a weekly capacity or do I gotaccess to you whenever we need
to touch base, essentially Justwhenever, okay, I bet.

(50:36):
So I think it's valuable,especially from that angle where
you're like you want to educatethese people on that mindset
piece so they don't interactwith where they was at when they
came to you and you want tomake sure it's almost like
you're seasoning them.
So then you want to make sure,when you do have them invest
something a little bit more,they're the right fit, because

(50:59):
maybe they've grown that mindsetIf they didn't come directly
from someone that has a betterunderstanding, that really wants
to solve the problem, and thenyou can take them on, because
then now that really put you inthat position to be for profit
as well, because not only areyou, you, um, uh, you, you
created another product for youknow people to come into.

(51:22):
You know I add a lower ticketfor, let's say, the people that
may not be able to invest at ahigher level or get started at a
higher level, you're able toserve them, um, and it's and
it's like it's a trade for yourtime and the value, right, yeah,
um, but then also it generatesthat, that mr revenue.
So now you can have, you know,like, if we doing a math, you

(51:46):
know, because I know you help alot of people.
So so let's say I don't know800 people you helping, they're
not ready to run that.
You know that high level,whatever that high level is, and
you get them on a $49 a monthsituation.
That's $40,000 a month.

Speaker 2 (52:07):
Yeah.

Speaker 1 (52:07):
On a low ticket, low ticket.
And then you're changing theirlives because they're in the
mindset.

Speaker 2 (52:12):
Yeah.
So a hurdle in my head is right.
The numbers seem good.
Yeah, it seems good.
But man, managing 800 peoplewith a messed up mindset is
difficult.
So credit repair has alwaysbeen that reoccurring model.

(52:34):
So if anybody tell you like ohman, you know, we don't have any
churn in our business yeah,everybody's churn, everybody I
mean yeah.
So now, and it's true, man, whenyou, when you create a solution
, another problem comes no 100%,and then another problem comes.

(52:54):
So I would have to hire, dangnear, a customer service person.
That's a good problem, you knowwhat I mean.

Speaker 1 (53:01):
That's a good problem to have, because you can't.
I mean you want to be able toservice all those people and
produce a high level product, asyou're doing now.
But it's a trade off becauseyou know more people need what
you have.
Yeah, man.

Speaker 2 (53:16):
So I had a deep conversation.
You know like a couple hoursabout that.
So the guy was talking aboutKwan.
He was like, you know, heshould, you know, serve or have
a community like $150, $150 amonth.
I think that's a great priceand I'm like, but Kwan, like,

(53:38):
let's say, for an example, likewhy would I put up with this
$150 headache?
But I can just go sue a debtcollector statutorily $1,000.
Like they'll give out athousand dollars real quick.
Why, why can't you do both?
So say, for an example, I'mlike I got to put up with this
person for 10 months.

(53:59):
You don't got to put up withthat versus versus one lawsuit
in a couple of weeks.

Speaker 1 (54:05):
But what I'm saying is you don't get.
You got to look at it like thisRight, I'm Apple, weesh.
But what I'm saying is you gotto look at it like this right,
I'm Apple, I got an iPhone.
I give you a charging block orno, I give you the charger.
I don't even give you the blockCase service apps.

(54:25):
Oh yeah, they're in there aboutto charge us for Wi-Fi in a
minute.

Speaker 2 (54:29):
Oh yeah, they're in there aboutto charge us for Wi-Fi in a
minute.

Speaker 1 (54:32):
So back to your point, becauseyou were saying every problem
you solve creates anotherproblem.
Oh, yeah, but there's nothingwrong with having a service that
can solve multiple problems,because you can have a service
that can get people on a certainlevel.
You can have a service thatbasically helps me build that

(54:53):
person up that I hope get thatdebt sniped.
Yeah, why?
Because I might have got thedebt sniped for the person, but
that person's mindset may nothave changed yet.
Yeah, but if I'm active in theprogram you know what I'm saying
.
I come to the Zoom calls, I gothrough the curriculum, I'm

(55:15):
reading, I'm studying I mighthave a changed mindset.
You know what I'm sayingHopefully, but yeah, yeah, more
than likely I will.
If I'm participating Now, if Ijust sign up to some stuff I
ain't using, I'm not going tohave a change mindset.
And in that community example,you can either hire a mindset

(55:35):
coach in there too.
You're like yo Mindset Mondays,30 minutes.
We're going to be in there.
We're going to be talking aboutparadigm shifting, some bar
practice shit, whatever.
Because they're going to needthat too.
Yeah, right, because I can bearound the information, which is
great.
Some people all you need to dois put them in an environment.
They're going to take it fromthere.
Some people need theenvironment, but they're also

(55:58):
going to need someone to holdthem accountable in the
environment.
Oh yeah, right.
Then some people need theenvironment accountability and
they need a roadmap.
You got to look at it right.
Let's say, I mean you could hirea community manager, va.
Okay, let's say you want tohire VA, you can pay a VA.
Let's say you paid the VA a maxthat could be $1,000 a month,

(56:22):
right, so you got $1,000 a month.
You divide that by the 150.
That's six people.
Yeah, that salary is taken careof.
I guess it really just kind ofdepends.
You know how you want to do it,but I think there's a whole
piece with the post-debtcollection removal, with

(56:45):
educating the person, keepingthem in the environment so they
don't end back up working withyou to get something else
removed.
And I don't know what thatpercentage looks like of having
somebody, after you help themremove a debt, seeing them again
like yo, you know what you didfor me.

Speaker 2 (57:02):
Yeah, I'm gonna need that yeah, man, I mean it would.
It would definitely have to betiered if I was to map it out.
Yeah, I just don't see myselffor $69 or even deploying any
method of mine.
You know what I mean For notfor no $69.

(57:23):
I'm not even going to thinkabout it.

Speaker 1 (57:26):
Yeah, I mean, again, I don't think it's something
that you got to do Personally Ithink, well, two things One, you
would hire somebody thatmanages to act, you know what
I'm saying.
And then two, it compounds.
Yeah, you know I mean what wesay.
Like you said, the 150.
So even that, 60 people times150, that's, that's 10 grand,

(57:50):
basically 10 grand a month.

Speaker 2 (57:52):
You know, I'm saying you got 60 people, but yeah, so
I you know I'm digging, I'mdigging it, yeah, but everybody
coming in at different points isgonna learn different and and
people's like wherever they'reat is different.
You know, I was talking to acredit repair specialist

(58:15):
probably an hour ago, right, andthe basis of credit repair to
me is at least the Fair CreditReporting Act, and she didn't
even have a basis on that.
So it's somebody I think almost30,000 followers, you know what

(58:36):
I'm saying and just spewing outinformation, and so I'm like
dude.
To me that's dangerous, that'svery dangerous, you ain't wrong,
yeah.
So I'm like dude, that's crazy.
Guess what, what's it do?
Guess what?
You can't wrong, yeah.

Speaker 1 (58:48):
So I'm like dude, that's crazy.
Guess what, what's it do, guesswhat?
You can't help them because youain't got your community yet
Right?
I'm not saying she right or shewrong.
I'm not saying you right oryou're wrong.
I'm just saying how you canmake more impact.
Yeah, you know what I'm saying,because I know you like helping

(59:12):
.
You don't even want to chargeme.
Oh yeah, you know what I'msaying.
Oh yeah.

Speaker 2 (59:15):
Yeah, man, we should do a raffle.
What's the raffle?
I mean we should help somebodyfor free.
Yeah, but help, I'm with it.
Right but helping somebody forfree is just that crutch.

Speaker 1 (59:25):
That's my point.

Speaker 2 (59:26):
Yeah, man, that's my point, bro.
It's just like dude, like likeI mean, this is a thing like I
never.
We want to help somebody forfree.

Speaker 1 (59:34):
I'm just making a point here yeah, but I never.

Speaker 2 (59:36):
I never went to.
I never went to mcdonald's.
It's like, hey man, let me getit.
No, you know what I mean.
I always like what's the cost?
Okay, cool, let me pay pay.

Speaker 1 (59:48):
Yeah, but McDonald's wasn't like.
I want to make sure this is agood burger for you.

Speaker 2 (59:52):
Nah, they just going to slaughter it out you know
what I'm saying.

Speaker 1 (59:54):
Like, I mean, that's the type of meat we do, because
you handle that meat, you can't.
All right, look, listen, go toWendy's, go to Burger King, eat
a couple of Taco Bells.
That's going to get yourstomach right.
Once you do that, come on back.
Our burgers is perfect for you.

(01:00:17):
You feel me Now.
They're like yo, we got whatyou need.
You need the burgers, you needthe nuggets, you need the apple
pie.

Speaker 2 (01:00:31):
Yeah, man, that 150, as it run through my head, I't.
I don't think so.

Speaker 1 (01:00:33):
It got to be a little bit more than that, because I
mean, you gotta think about thecommunity is, for the community
isn't a one-off bro, you knowwhat I'm saying it's going to
add up.

Speaker 2 (01:00:43):
You feel me like so say, for an example, man, you
know I'm looking at, I'm lookingat these cases that go to trial
.
Yeah, in time, these attorneysis charging a 160 000 for their
time.
So it's skill is skill isskilled like, so say, for an

(01:01:05):
example aka, getting theviolation, that's a skill within
itself.
Yeah, um, if you don't, if youdon't, if you don't draw up the,
the complaint a certain way,they're gonna dismiss your case.
That's a skill.
Um, uh, even doing discovery isa skill.

(01:01:27):
Yeah, no doubt.
Deposing someone skill right.
So you got to be on your P'sand Q's with one drafting that
summary judging motion andopposing that summary judging
motion and then just going totrial itself.
All that's a skill.
So say, for an example, justdoing numbers off the top of my

(01:01:49):
head, at 150, that's almost1,800 bucks.

Speaker 1 (01:01:52):
I don't know if you need to be doing all of that at
that level.
I think that level might justbe getting people the people you
turn in the way that they needto get in position for that
level.
That's what I'm saying.
Or the people that come out ofgetting the debts sniped so they
can have the mindset right.
I don't think people at thatlevel are getting their credit

(01:02:14):
deleted.
I mean getting their creditsued, I mean getting their debt
removed is what I'm saying.
I think it's certaininformation at that level.
And then, once they're ready,they can graduate to the level
where their debt can be sued.
And then, once their're ready,they can graduate to the level
where their debt can be sued.
And then, once their debt'ssued, they're in that other

(01:02:36):
level where they're keepingtheir mindset right, so they're
never going to have to be in asituation where they have to get
their debt sued again, unlessthere's a life situation that
happens out of their control,that's what I'm saying.

Speaker 2 (01:02:45):
Oh yeah, I'm not saying at the 69-150 price we
going to.

Speaker 1 (01:02:49):
Oh yeah, I'm not saying at at the 69 150 price,
we going to court.
Yeah, I'm not saying that.
That's not what I'm saying atall.
I'm saying about that.
I'm just saying, if I come toyou and, like you just said,
with the lady and I'm gettingsauce at the level where, like
yo, you can go get a securecredit card, this is the play or

(01:03:09):
this is the move.
You know what?
This is how you understand yourcredit report.
This is what a credit mix is.
This is how you structure yourcredit.
Like information on that leveland just financial literacy
information.
Maybe that's in there.
But then once they're ready youknow what I'm saying they pop

(01:03:31):
up like toast.
They're ready to go get somedebt sued, next level, you know
what I'm saying.
Oh yeah, that's all.

Speaker 2 (01:03:38):
Yeah, I can probably putsomething together.

Speaker 1 (01:03:41):
Yeah, I mean, I'm not trying to trust your arm, I'm
just trying to you know.
But keep in touch with who'spaying?
You ain't got to do it.
You know there's systems outthere that'll.

Speaker 2 (01:03:51):
Weed them out.

Speaker 1 (01:03:52):
Yeah, turn off when they ain't paying.
And then you hire somebody tobasically, you know, manage and
run the community.
You just pop in.
When you pop in, it's like ohman said, oh shit, it's the
second Tuesday of the month,Vince pulled up Like.
Yeah, you just hot people.
This is dope, bro.
This has been really dope.
I hope y'all got a lot ofinformation, because I got a lot

(01:04:14):
.
I feel like I'm smarter.

Speaker 2 (01:04:17):
You know what I'm saying For sure.

Speaker 1 (01:04:19):
If somebody wants to work with you, where do they go?
If they want more information,if they have it fully wrapped in
mind around really get rid ofthe debt, like how can they
connect with you?

Speaker 2 (01:04:31):
VanceDodsoncom.
All social platforms.
Vance Dodson man you know, comeand follow me, shoot me a DM.
Let's check out your situationand go to the next step and just
go from there All right, bro,appreciate you All right.

Speaker 1 (01:04:47):
Jumping on, paul, I'm going to hold you to that.
Okay, see you in November, comeon.

Speaker 2 (01:04:54):
Floor seats.
Nah, man, I'm like about ninerows back.
I mean that's cool, yeah, fromthe visitor side.
That work?
Yeah, I can say.
Hey, Mark Cuban, he always saywhat's going on.

Speaker 1 (01:05:06):
Yeah, all right.
Well, listen, y'all make sureyou check out Baga Events, get
more educated on financialliteracy, learn more about that
credit report and if you gotdebt, you already know who to go
to Share this episode out withsomeone else, and we'll see you
guys on another episode of thepodcast.
Let's get it.

(01:05:35):
Thanks for watching.

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.css-14f5ked{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:2;overflow:hidden;}The Credit System is Setup to Fail You | Vance Dotson