Tamsin Hargrove

I spent twelve years in consumer banking in Charlotte, including four in collections, and I have worked as a financial counsellor for the last eight. Having sat on the collections side shapes everything I tell people. Most of my clients are not bad with money, they are short of it, and the advice written for people with surplus income does not apply to them. What works is different: knowing which debts to pay and which to let age, knowing what a collector can and cannot actually do, and knowing that a payment plan you cannot sustain is worse than no plan. I will say clearly what I am not. I do not sell debt consolidation, I do not take referral fees, and I am not a licensed investment adviser, so I will not tell you what to buy. If bankruptcy is genuinely your best option I will say so and tell you to see a bankruptcy attorney, because for some people it is the right answer and the industry never says it.

Idiomas de consulta

• 🇬🇧Inglês

Competências

• Debt prioritisation
• Collections practices
• Realistic budgeting
• Credit reports and disputes
• Payment plan negotiation
• When bankruptcy makes sense