ON THE PURSUIT PODCAST (PRST)
On the Pursuit (PRST) Podcast connects with entrepreneurs, movers and shakers that are making a real impact in life & business and we share these stories to motivate and inspire you to take action in your life. Now kickback and enjoy the show whether you are chilling, working out or on-the-move.
ON THE PURSUIT PODCAST (PRST)
The Credit System is Setup to Fail You | Vance Dotson
What if you could transform the way you think about and manage debt? We’re thrilled to have Vance Dotson from Oklahoma City join us for an energizing chat about credit repair and the realities of the debt collection industry. Kicking things off with some friendly banter about OKC's basketball scene, Vance doesn’t hold back as he shares his no-nonsense approach to navigating the financial world, including a memorable online exchange with Tony the Closer. As we dive deeper, Vance unpacks the ins and outs of consumer protection laws like the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, revealing the often-unseen profitability and legal intricacies of the debt collection business.
Listeners will discover Vance's unique strategies for achieving credit repair success, including innovative methods that could potentially turn consumer contacts with debt collectors into financial gains. From personal tales of tackling various forms of debt—medical, college, and credit card—Vance opens up about his journey in Oklahoma City, sharing actionable insights that blend personal experience with professional expertise. We also spotlight the broader debt collection landscape, exploring how major players like Midland Credit Management operate and dissecting the potential risks and rewards of managing your credit report effectively.
The conversation grows into a larger discussion on the importance of building a supportive community focused on financial literacy and mindset transformation. Vance envisions a community where low-cost memberships provide ongoing education, fostering healthier relationships with money and equipping members for greater financial investments. We touch on continuous education post-debt collection, stressing the value of mindset coaching to prevent financial backslides. Stay connected with Vance on social media for more insights, and don't miss upcoming episodes that promise to enhance your financial journey.
Welcome to the On the Pursuit podcast, where we connect with entrepreneurs, movers, shakers and business owners who've built amazing things on the pursuit of their goals and dreams. And I'm your host, brendan Boyd. What's up y'all? Welcome to another episode of the On the Pursuit podcast. We connect with six, seven, eight figure entrepreneurs. Right, they got a lot of information. We want to bring you the information. We want to distill that information in ways that you can understand. On today's podcast, I got my guy, vance Dawson, all the way from OKC. I've never been there in my life. You're going to come. Is it a real place? Oh yeah, I know they had a basketball team that was lit. Well, actually, y'all got Sean now.
Speaker 2:Oh yeah, he lit. Oh yeah, man, they still developing.
Speaker 1:You know what? So I'll come. I'll come this fall. All right, I'm an.
Speaker 2:NBA bat It'd be a good way. Yeah, no, I got it Like.
Speaker 1:November Tickets on me Like November. Yeah, let's do it. All. Right, man, let's do it from the internet. You be really getting at people. Yeah, I was actually on a live one time with you and actually I think I got on a live after I seen a story of you was going crazy at somebody. You know what I'm saying.
Speaker 2:Who was that somebody? Because I like to talk very directly. I don't remember.
Speaker 1:I just remember I was like yo man, really spicy right now, yeah, real spicy right now, yeah. And then I see you, it was probably Tony Tony.
Speaker 2:Tony the Closer, tony Robinson Probably, that's probably yeah.
Speaker 2:Because, see, you know, I think Tony's lane is like wholesaling real estate or something like that. You know what I mean. And somebody, somebody, he had put my program on the green screen on the back of him and he was talking trash. It was like three o'clock in the morning or something. So when I seen it, when I woke up at like five, six in the morning, but then he had took it down, you know when I was going to respond. So I'm like man, look we, we don't do that, bro. If you're going, you're going. So I'm like man, look, we don't do that, bro, If you're going to throw a rock, bro, it is what it is.
Speaker 2:So it was, you know, several posts made. He talked about I'm going to put you in a blunt. So I'm like I don't really know what that means. Do it, you know. And, yeah, man, just, you know he blocked me and all of that, but really it ain't no real beef like that, no smoke. I really don't know him, he don't know me. You know what I mean. So you think he was just, he was just trolling for real. Well, he couldn't be in trolling because I mean, you know, it really ain't nothing to troll about. You know what what I mean. So, but you know, if I do see him, it's a draw the line. It is what it is.
Speaker 1:So how are you actually?
Speaker 2:helping people out here. So it starts with the Fair Credit Reporting Act, which I'm going to say FCRA. It starts with the FD CPA also. So that's the Fair Debt Collection Practices Act also. So that's the fair debt collection practices act, and so, um, you have a lot of people that's doing credit repair and uh. So, to stand out, I just decided to pick um the lane of dealing with the fdcpa, which is dealing with debt collectors, because I seen that debt collection industry growing, yeah, and I'm gonna just say it wasn't nobody policing the debt collectors.
Speaker 1:I'm going to keep it a buck, bro. I feel like that's actually not a bad industry to buy a business in.
Speaker 2:Yeah, you know what I'm saying. To like to buy the debt yeah. Yeah.
Speaker 1:You know what I'm saying. Like if you're looking for a profitable niche to get into. Like if you're looking for a profitable niche to get into, these companies is making a lot of money because the average consumer is afraid of a debt collector, You're right. So the average consumer is going to pay. A good percentage of them are going to pay regardless. I've paid debt collectors in the past before I had the information to know that I didn't necessarily have to pay them because my debt's not with them. You know what I'm saying. They just purchased the debt. Yeah, you know what I'm saying. They just purchased the debt. Yeah, you know what I'm saying. So if you're a middleman and I'm not advocating anyone to do this, but it's I mean we're in America, yeah, so like you could go in that lane. It's a multi. You know, it's a multi-million dollar. You know what I'm saying? Bill industry yeah, so you got the disposable income.
Speaker 2:You can purchase a debt collecting company or you can start your own, and this is the thing too, man in an oklahoma, while from you don't have to have a license to even be a debt collector? Yeah, and I heard about that too that's crazy.
Speaker 1:I heard about that too. There's some states where you can have a license to operate but you don't have to have one. So so I heard I think I heard her one of Herman's people talk about this. You know Herman Doser, yeah, the ancient CEO. So he had one of his partners on, they was doing a live or whatever and she was talking about. It's easy to dispute a debt in a state where a debt collector doesn't have a license to operate.
Speaker 2:Yeah, I wouldn't rely on that, because that debt collector doesn't have a license to operate.
Speaker 1:Yeah, I wouldn't rely on that, because that death collector doesn't have a license.
Speaker 2:Yeah, I wouldn't rely on that like that. But you know I mean whatever floats in people's heads to get the job done.
Speaker 1:Well, I guess what I'm saying is every state is different. Yeah, you're right. So like there's some states where you don't even have to have car insurance, Let me stay out of that state In. Florida. You don't even have to wear a helmet on the motorcycle or bike.
Speaker 2:I think that I think it's like that in Oklahoma City too. See, you know what I'm saying so.
Speaker 1:what I'm saying is it's like every state has different parameters. There's different laws, you know what. I'm saying Like we technically could, because federally it's illegal.
Speaker 2:Yeah.
Speaker 1:So there's a lot of different nuances with these laws.
Speaker 2:Yeah yeah, I kind of struggle with that too. It's just like, ok, the people that I'm, you know, advocating for that, these companies is the debt collectors is coming out to people for that these companies is the debt collectors is coming out to people. They don't have to have a license. But here it is me doing credit repair. I have to have a license, you know. So it's, it's certain. It's certain things that I can or can't say let's touch on that, bro, because that's interesting.
Speaker 1:Yeah, you even saying that I, you know now thinking about a lot of people that operate in the space. I don't think I've heard a lot of messaging around. I'm licensed to do credit repair.
Speaker 2:Yeah. So let's talk about that. Let's talk about the good, the bad, the ugly, right? So my approach to helping a consumer is using the federal court systems. So I'm punching these companies in the mouth. The biggest case I ever had was $1.7 million from a jury. Fdcpa-wise it was $1.5 million not licensed and the state says you have to be licensed. So I got, I got five, five thousand dollars, uh, for not being licensed and then from there you know that, like, like, when it first happened, I was salty. How much was your license?
Speaker 1:uh, it was like a probably like a thousand dollars so it cost you six thousand dollars to learn the list? Yeah, essentially.
Speaker 2:Yeah, no, when it first happened, bro, I was salty, but now it's just like you know, that's like that weight lifted off your shoulders no, 100%, because you don't have to worry about it.
Speaker 1:Yeah, no facts, but two things I think there is. Number one it costs you the money to learn a lesson, mm-hmm, right, right, which is not bad because you get the money back, right, you just, you just invest in yourself. And then two when you look at people doing defense, they're gonna look for strategies and things to just win the case. Yeah, they don't even gotta, they don't gotta be right or wrong, they're trying to win the case oh yeah, you know what I'm saying.
Speaker 1:So. So if you're in a room and it's like formal attire, it don't matter. If the information you got is right, you, you, you wearing t-shirts and sneakers, yeah, I don't want anything else. You shouldn't even be in the room. You know what I'm saying. So that's how to come. 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:yeah, like see on my social media. I'm kind of like I'm just myself man.
Speaker 1:Yeah.
Speaker 2: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 has led me into position to where I am today. But the attraction on it on the other side is real Like. So, say, for example, like I say I'm in, I'm in federal courts all over the place. So the first thing they want to do is screenshot my social media and then, uh, you know, just have all them type of exhibits. But my thing is, um, I'm like dude, I haven't broke the law. So you know, it's a, it's a.
Speaker 2:There's something called a motion for lemony and you know I get it thrown out every time because it has nothing to do with the case. But they just trying to paint that picture with a judge, like, look at what he's doing. Every time they hit me with like, oh, this is manufactured. And I just like, how? Like, when you're constantly calling a consumer, how am I setting this up? You know what I'm saying. How am I setting this up? If you send in a consumer, a letter, or you text in the consumer or you email in the consumer, 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 my feelings about it, like dude, I was like man, I want to get them for defamation. But then it's litigation privilege, where you can't do it, and now it's just like oh, you're doing that now.
Speaker 1:So let me ask you this right why would someone want to sue a debt?
Speaker 2:collector? Well, because they're infringing on your rights, right. Why would someone want to sue a debt collector? Well, because they're infringing on your rights, right, they're infringing on the FDCPA. 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're doing whatever you're doing and then you hear that ding from a text message that's invasion of privacy.
Speaker 1:If it's unwarranted.
Speaker 2:Unwarranted Yep, yep, yep. Intrusion upon seclusion. So we bring cases like that on debt collectors very often and you can do intrusion upon seclusion several ways Right, the emails, the letters, the phone calls, things of that nature. So you got to understand. The FDCPA is written up for the least sophisticated consumer and so what you have is a company who don't believe that the consumer is going to take action when it happens 100%. And that's where we get the money at, that's where the money is.
Speaker 1:So when you're suing a debt collector, what are you suing them for? Is it like a standard amount of money that you're suing them for or just does it depend on? Is it case by case? Most cases.
Speaker 2:Yeah, everything is case by case, but statutorily we're only talking about $100 to $1,000.
Speaker 1:But you also Per case, yeah, per case.
Speaker 2:Yeah, yeah Per lawsuit, yeah, per lawsuit, but you also have actual damages. So there was a case that came down the Ramirez versus TransUnion case that came out of the Ninth Circuit and went all the way up to the Supreme Court, and so what that case did in all federal courts is you cannot bring a lawsuit unless you have actual damages. Um, I think and it's been on the up for me because when they come and low ball, I will always bring that case up like hey, you know this case right here, we got to have actual damages.
Speaker 1:So set aside the statute, the statutory requirements, let's talk about actual and so it brings up the, uh, the settlement a little bit more to you.
Speaker 2: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 stay with, stuck with you know, um, and, and, and this is the the product.
Speaker 1: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 in the space, but you chose like a certain angle where I don't really hear a lot of people talk about. I think when I first learned about you know your content and kind of what you do you definitely stood alone, because I'm like I don't really hear no one talking about selling to debt collectors. You're hearing about Metro too. You hear about consumer law. Yeah, you know, you hear about the. You know, just just you know writing letters.
Speaker 2:Yeah, you know what I'm saying. Unlike the other ones you just mentioned, I'm into permanent results, right?
Speaker 1:So so you can't. So you say you can't get permanent results with consumer law, you can't get permanent results with Metro 2?
Speaker 2:Well, say, for an example, when you say the term consumer law, that's broad to me. So when you go specific and dive into it, are we talking about the Fair Credit Reporting Act or the Fair Debt Collection Practices Act?
Speaker 1:And there's hundreds of more consumer protection statutes. I guess what I'm saying is people in the space. When I hear Metro 2, I think about certain people that use Metro 2. When I hear consumer law, I hear a couple of people come to mind about that. When I hear suited debt collectors, you're the only president coming to mind. So the other two lanes with fee and credit repair, I hear those a lot more. You know what I'm saying? Yeah, man, and even what's the process when you're just writing letters.
Speaker 2:Well, this is the thing. So if you was to come and get my services before my phone rings, I have a strategy Before I even accept money from people, before I even accept money from people. So that's the difference between me and other credit fair companies or things of that nature. So say, for an example man, you always want to have that strategy. That's going to be that one shot. You know what I mean. Like that one ain't nothing perfect, but you just need that one strategy. That's just going to be that one shot. You know what I mean. Like that one ain't nothing perfect, but you just need that one strategy. That's just going to be that one shot.
Speaker 2:So it depends on the consumer how they're contacting me. So say, for an example, if it's a consumer contacting me based on phone calls, so I'm going to be like hey, pick up the phone, go get something to record with. Don't matter if you missed a call, it's calling back and say hey, you know I'm at work right now and it's not a good time to talk, and you don't have to just end a call from there. You know just when is a good time to call you back? 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.
Speaker 2:Again, it depends on how the consumer is contacting me. So if the consumer is saying, hey, you know, I'm getting the email, I'm getting the text, all of them methods is different. So say, for an example, if the debt collector is on my credit report, I figured it out to a science because a lot of companies is using chat GPT. So what I figured out is chat GPT. We're talking about text messages. A couple of words, short sentence chat GPT can pick it up. So if it's long form, chat GPT can pick it up. So guess what I'm doing? When they say, hey, somebody texting you long form, long form response, yeah, so that the now chat GPT ain't going to pick it up, and then they're going to violate that law, gotcha. So it just depends, man, you know, on that credit report. Man, that credit report is not worth the money that people is putting on it. It's worth more than that, and so so give me an example.
Speaker 1:So when you say that, what do?
Speaker 2:you mean by that? So say, for an example, man settlements usually be between low end. We're just going to say low end real quick, about twenty five hundred bucks, and I've been a part of, you know, FDCPA settlements. That's just in between. It just all depends on the actual damage. You know, I have a case right now that I'm going to. I have a case right now that I'm going to. We want to settle north of $100,000 because, one, it was not the lady's debt, so we got actual damages right there. Two, the lady told them to back off. They didn't back off in federal court getting ready for deposition, things of that nature to where we're just going to put her official story on record and then we're going to move to do what's called a summary judgment and then we're going to move to hire an expert witness to analyze her actual damages.
Speaker 1:Is your revenue stuck? If you're an entrepreneur and your revenue is stuck, you don't need to fix your products or services. You need new audiences to discover you more consistently. Podcast guesting is the ideal way to be discovered 24 hours a day by your ideal clients. And guess what? The more people that know you, the more people can flow. You Head over to podcastmasterypackcom and take advantage of your first or next podcast. Let's go. How long is a case on?
Speaker 2:average. So it just depends right. So say, for an example, when you first file a lawsuit and then you serve it, they got 21 days to answer. So usually, just out the blue, they always ask for a little bit more time to respond to the lawsuit, but usually in that whole time since they get that lawsuit they're trying to settle, they're trying to see you know what the actual damages is, what's the consumer's number, things of that nature. So so like.
Speaker 2:So let's say, you're dealing with about two months of just lollygagging because they got that right to say, hey, we just got hurt on a case, we need more time to investigate this. So once that answer is put in, usually what I do is I like to strike their answer because they're going to come with a lot of bland information, they're going to deny a lot of information, and so if you can prove up front, they like to just say, for an example, like to deny that they're not a debt collector. Okay, well, now we're finished to go into some motion practice. So we're going to make them work. At that same time, I like to, when I do my motion to strike, I like to at the same time, do a 26F conference. So now we're going to get in front of the judge and go into discovery on a 26F, right off the top, boom. So that's making the other side work more than what they want to work.
Speaker 2:So right off the top, man. So now they got a lot of work. So then here comes what's called a joint status conference. So before the joint status conferences I didn't got a lot of work done or accomplished before the judge even gets involved now. So now, if it comes to that joint status conference around that time or a little bit after now, 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, because what they try to do is they try to lollygag and just drag their feet. That's what defense firms do all around the country. So to get ahead of that and to buy just a little bit more time is just that's how I'm always victorious on that.
Speaker 1:What type of clients is like perfect for the service you offer? Right, because you help with people get, like these, debt collectors, off their credit reports, right? So so someone's like that sounds like a lot of time. You know what I'm saying. I'm going to just do you know factual disputing, or I'm going to do you know.
Speaker 1:I'm going to find it sounds like more 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 to do Metro 2. Why would somebody want to go your route, as opposed to some of the other routes they heard?
Speaker 2:Again, permanent results right. So I don't know much about factual dispute on Metro 2. But I know with suing the debt collector in federal court they're not going to release that information to another debt collector.
Speaker 1: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 want to do damage control.
Speaker 2:Okay, yeah, got you. So they want to say right off the top hey, what's going on? So a lot of the times they remove it off the credit report and then they you know, we're talking numbers a lot of the times, a lot of the times, the debt ain't at issue. Um, it's the money part. That's the problem, because debt collectors buy the debt, they buy the debt. They buy the debt For pennies on a dollar, yeah, so they don't have too much invested in the debt. So it's always the money that's the problem.
Speaker 1:So some of the other ways you're saying that debt can come back and it can come back from someone, definitely, definitely, with factual disputing and Metro 2. And someone else can purchase that debt and it can be back on there with a new company.
Speaker 2:Oh, yeah, yeah, that's common, yeah, so, but this is the thing, once I get involved and get to soaring these companies, that has never happened. So that's the thing. So I had a guy who recently he was with a big debt collector, lvmv, and they sent him a letter. So it's a certain way that you got to respond to the letters and obtain a violation. It was like a $48,000 debt. So, instantly, see, I'm not into funding right. So I instantly knew, because when I seen his credit report, it was like $48,000, $60,000, $75,000. So I'm like man. So I hit him up.
Speaker 2:When I seen his credit report, it was like forty eight thousand, sixty thousand, seventy five thousand. So I'm like man. So I hit him up and I was like, bro, like whatever you're doing, you know how to do it. And like what is it that you're doing, right? So he was like, yeah, man, funding and this and this. So I'm like, ok, cool. And so I was just like, before I took his money, I was like, bro, look, if you ain't trying to sue these people, don't give me no money. So I set the expectations up front and so when that violation occurred, we moved, filed in federal court. They forgave him of the debt, waived the debt, gave him some money, took it off his credit report.
Speaker 1:So this is a dude that was intentionally funding, though he was intentionally getting access to capital, oh yeah. And then he sued him. Oh yeah, so so did he. Did he um that, the funding debt that he was getting? He basically ran that up, so he made he made that debt on purpose, essentially, yeah. And then he got it wiped, oh yeah.
Speaker 2:Yeah, oh, yeah. So I run into situations like that quite frequently in today's time. But you know, a lot of things that's going on is medical, a lot of medical debt. Yeah, medical debt.
Speaker 1:College debt.
Speaker 2:Oh, student loans. Yeah, man, if you go on Pacer and look it up, I had this thing going on that they stopped. But basically a lot of people couldn't afford the services where I come from, east side of Oklahoma City, so I just made up a standard contract loan debt and sued for this lady you know won the case and I was just like dang. So I just kept doing it, kept repeating it, kept going to you know different people. I probably did that for over 10 years. So the thing about that is like I'm still salty to it, to this second, you know, because I I look 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, meaning no contract, or a car has a contract, a car a car car?
Speaker 1:Car Wheelie Baratari. Yeah, yeah, yeah, you think that Does it have a contract or not have a? Contract yeah yeah, not have a contract, a car.
Speaker 2:So you go to your car lot and they say hey, man, my name's Brandon. They just give you a car.
Speaker 1:Oh, you're saying it like that. Well, no, it has a contract, it has a contract. So let me ask you another question A credit card.
Speaker 2: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 this money or do you agree to these terms? You got to agree to the terms, all right, cool. The court said that because if anything is based in contract, bro, you can just transfer it, you can buy, sell, do whatever you want. It's the same thing that debt collectors is doing. I just did it in a reverse with the consumer. Okay, I got you.
Speaker 2:Yeah, I just did it in what the debt collectors is specifically doing. So I did the same thing, the same thing that the debt collectors is doing with, say, for an example, citibank. I did directly with the consumer and the courts come 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 it has to be a contractual obligation for the FDCPA to kick in. So say, for an example, if it was like a toll debt, at the time you run that toll, it's no contract. Right and taxes the time you say you don't pay no taxes or pay taxes, it's no contract. So the FDCPA don't govern one of them. So the courts come back, the appeals court come back and say that it's a tort claim, the FDCPA is tort inclined. So I said man, that's whatever. So I had to restructure real quick my business. It really didn't stop anything. You know what I'm saying. So I contractually gave it back to the consumer and then we just followed the case.
Speaker 1:So did they change the law so no one can buy consumer debt like that or just for that one case.
Speaker 2:The way you know, probably like three weeks ago, I really looked back at that ruling and was just figuring out, like how can I scratch this and start all over but do it right, yeah. So that was just like they was emphasizing on the assignment of the claim, right, but they didn't say anything like hey, you're not contractually wanting the debt, you're just wanting the claim. So say, for an example, like the podcast I've heard you say, like you can take, you can just shoot something and then there's audio come with it, then there's a video to come with it, then you can do something else with it. So that was just like you're wanting to you know the claim part, right, so yeah, but not, not, not on the whole the whole thing, take responsibility of the whole thing. So I'm scratching my head on that. You know what I mean? Yeah, that's just language yeah, they're not.
Speaker 1:They don't sound like they're independent of each other. Yeah, they're just. They're talking about a tent.
Speaker 2:Yeah, you know what I'm saying exactly that's what, that's what it sounds like, so yeah, 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 do until they put dirt on me so how do you get your message out to more people?
Speaker 1:because it seems like you got, you got a. You know the way your strategy or the way you go about it is getting. It's like you're like terminating. It's like, yeah, you're done with knocking them out, bang right, oh yeah. And I mean you educate me because, like I didn't know that this method knocked them out and some of the other methods, the debt can come back. Potentially, it can be purchased by another debt collector. I think it's even more dangerous man, how so?
Speaker 2:Factual dispute in Metro 2, to me you have to be. If you're going to do something like that, you have to be on your game, like you got to be at the top tier of your game. You got to be well-rounded because, yeah, it comes off the report, but you're still liable for the debt. So now they take it off your report but they sue you. What you're going to do? Is that likely to happen? Oh, yeah, well, let's talk about that, because you got to understand that you got the big dogs which is middling credit management portfolio and lvmv um middling last year, in 2023, made 1.7 billion dollars on collecting debt. Yes, they collect um defaulted consumer credit card debt. So say, for an example, man, I mean 1.7 billion. That's a lot of money, you know.
Speaker 2:So when you look at any court record and just type in Midland Credit Management, they dominate it. They dominate every single courthouse records ever. It's them. So say, for an example, it's them. So say, for an example, it, yeah, it comes off to report, but they sue you. Now you got to know how to defend that. You know what I mean. So a lot of people is just uneducated on, say, for an example, disputing right, but now defending is a whole different ball game, you know. So I think it's very dangerous for the consumer to be doing that and not having somebody really to back them up. So, like I say, my approach is just let's just really nip it in the bud permanently and then you don't have to even worry about it coming off the report, not coming off the report, somebody suing you or not. We got a contract from the debt collector saying we fenced away this debt. We're going to take it off your report. We will not collect on this debt, no more.
Speaker 1:What's up y'all? I'm standing in the middle of the street and I'm willing to risk it all because I want you to grow, whether through paid or organic measures. Over the next five days, the audience growth challenge we're gonna be teaching you podcast gifting strategy, video marketing strategy, social media, predictable viral creation strategies, the power of radio and digital PR and these strategies are what you need to grow your business over the next four, six, nine, even 12 months to skyrocket your success. So if you wanna join the challenge, all you gotta do is click the link below and join the audience growth challenge and join us as a vip. Let's get it. Are you saying that these debt collecting companies like midland right, who purchased, purchased the debt? Right, they can now sue you for the debt that they purchased? It's not really your debt we're doing so. Look, you gotta look at it like this so you have a lot of industries, period.
Speaker 2:You got a lot of people battling. You got a lot of people. It's just chaos. In america the debt collection industry 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't talking about that. That's a whole nother language.
Speaker 1:Yeah, I never even heard about that. Like that. That's interesting. But they're suing you for some debt that you don't even owe them. Like what's the angle?
Speaker 2:So, yeah, so the debt collector purchased the account or they get assigned the account. That's like the common two ways, yeah, so they, yeah, they use the court systems to collect their 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 cold game out here yeah, it's real.
Speaker 2:Yeah, you know what I mean. So that's the side. You know what I mean. That might just come bite the consumer, but the consumer has idea. So the consumer is just looking for the benefit of the information coming off their report. And the next thing, you know, yeah, it might come off the report, but it's not permanent. That's what everybody is not talking about. So if I can't really service the person and really take their problem and really solve the problem from a permanent basis, I don't even want to take money from you. So it gots to be, you know, a little bit of integrity there, not just because somebody is calling your phone or DM email or you know things like that. So that's the type of you know integrity that I just got running my business. Yeah.
Speaker 1:Is there a certain client profile that's ideal for you? Well, really.
Speaker 2:So yeah, that's where.
Speaker 2:I come to based on a report, primarily. No, that's what, that's what you know. I kind of like, you know, stay up at night trying to figure out is like man, because I can help everybody. You know what I mean. That comes to me with debt collection or credit reporting problems, so I'm trying to like hone in on what that looks like. But it's just like man. You know, if a DM come, email or you know somebody call me, it's just like dang well, okay, I mean I truly can help you. You know what I mean. 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. You know what I mean. That's not me.
Speaker 1: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, whatever the case may be or what do you feel like is the best way people can do a pre-emptive way to either get the information so they just stay out of the situation having a jack to credit report, or maybe just they kind of position himself to take less of them those negative hits. You know, I'm saying because we're not learning about credit in school.
Speaker 1:Yes, it's really I mean so so how does people kind of kind of you know learn how they should be going about the ultimate answer?
Speaker 2:is um education. You know, just get educated on what you're really getting into. Nobody really gets educated on what they're getting into, they just get into it. Next thing you know it's a big mess. Now you're looking for the solution and so it's kind of hard to turn around, you know, and say, for example, if we're going to use the economy for a reason, that'd be, you know, excuse, it's just all sorts of things like death, um affects people. You got marriage, marriages fail, yeah, you know um, just things that happens in, you know, every day, everyday life. But I would just say, man, get educated on something before you get into it. I mean, everybody got tips and all this type of stuff. But just, you know, go with somebody that got a license to do it, because you just can't be just taking information from somebody. You know what I mean. So, like, if the information is wrong, you can take action on that person's bot. You know what I'm saying.
Speaker 1:Saying so I would seek out a licensed professional or something like that so one of the things that, uh, I feel like a lot of people struggle with is getting back in that situation. So, after credit gets fixed, after reports cleaned up, maybe they get act, maybe they do funding, they get access to money. That they got more bags running up. You know I'm saying um, what do you say those individuals to keep them. Once we fix the situation, like we sued the debt collectors, the debts off, you got a nice, fresh, you know saying credit report. You can get busy with it, you can leverage it. How did, how do you? How do people stay out of getting new debt collectors on their report? Because that happens, that's happened a lot.
Speaker 2:Pay your bill. You know what I mean, just to be honest with you. But I'm not no funding guy. You know I'm not. Let me say it like this I'm not for funding if you're going to abuse it, and that's the thing that people like to do. Like, come on, man, like you get funding and then you're going to go get a BBL, you're getting funding and they're going to get some rims. Like, come on, bro, like you know, you're to your 2024. We hit a trillion dollars of consumer defaulted debt. So now I've seen, like a meme from somebody that was saying one point one, one point like one, four trillion dollars in consumer debt. It's just it's spiking. And so you know, I don't know what it's almost contributed to, but I can just contribute a little bit to that. Like that funding.
Speaker 1:So someone just hit me. So with that amount of consumer debt out here, did that mean the debt collectors are purchasing all that debt?
Speaker 2:Oh yeah, that's crazy, bro, every single last.
Speaker 1:Like. That part just hit me. So if you have a company that is purchasing debt and then you're assigning that debt to collect on that debt, how saturated or not saturated in our market, meaning like this, let's say, you know, I'm like yo, it's an opportunity. We can make some money. We get in that space. Are we competing for debt purchase or is there so much debt available we'll be able to sustain and build a company in that space too.
Speaker 2:Man, this is the you got to understand. It's not just United States. We're really in a global economy. So the global economy we're touching ninety one trillion. So I don't think it's any one person, any one company that can just really dominate that market like that. But in, uh, we're talking just american, um, american ways, american, whatever, it's a midland credit management who really dominates that industry like that. So they're the big dogs and then, like I say, in 2023 they collected, uh, you know, over a trillion dollars. I mean a billion, I'm sorry, a billion, a billion dollars.
Speaker 1:That's crazy, bro the way that you kind of explaining this, like I'm definitely getting way more clarity and I'm hoping, like people kind of pick up on it because I mean you got these companies.
Speaker 2:That's basically like they're like bullies, yeah, you know, I don't want to say bullies, I wouldn't, I wouldn't, I wouldn't. Just, you know, put that picture out there like that. Let's, let's, let's be fair to everyone. Like you didn't, you didn't pay that bill, so they're collecting that money that you owe, right? So, and, and what I'm just saying is it seems, seems wrong.
Speaker 1: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 what I'm saying Right.
Speaker 1:So let's say, kwan loads you some money, mm-hmm, right, he loads you a band. Mm-hmm, Six months go by, you don't pay Kwan a band, right? Mm-hmm, kwan tells me me and Kwan hooping. Now we hooping Choo-choo-choo. You know what I'm saying. We hooping one-on-one whatever, whatever. Like what you got going on, nothing. You seen your vans? Nah bro, I ain't even rocking with 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 care because I'm not even getting the money. So if you get it, you get it. Maybe I hit him off with $100 or something. Yeah, you know. Now I'm ringing your phone, banging your line text email. You know what I'm saying? Snapchat.
Speaker 1:I'm pulling up on you. I'm like yo, let's go to lunch, but yo, where's that thousand that you ain't paid? Quant, you know what I'm saying. Like I'm really hitting you with it. That's what's going on. Yeah Right, essentially. Oh, yeah Right, but are you paying me the $1,000? Most likely, you're not paying me that $1,000.
Speaker 2:Well, put it like this you know what? I'm saying or or or, if you Snapchatting me and calling and texting and emailing me about a debt. Yeah, you finna end up in federal court. I'ma turn you up.
Speaker 1:Yeah, but what I'm going to turn you up, yeah, but what I'm saying I could go to Kwan 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:No, you can't do that. Yeah, I'm trying to make it make sense. You can't do that.
Speaker 1:So I can go outside, like I live in Miami. This is a big part. There's people out here all the time, thousands of people, yeah. So I can just make this conversation and say, yo, who ain't pay you, who ain't pay you, who owe you money? Right, I can collect all that debt up, get all the name notes and emails, and I can just bang their lines and I can just get the bread. Oh yeah, I can pay them in advance, like here, here's the order. He owe you. Two bands yeah, here's 200, or whatever the case may be. Yeah.
Speaker 2:Just just say you know you following all the guidelines.
Speaker 1:Yeah.
Speaker 2:Yeah, it's not. It's not illegal about that. That's crazy, that's the whole industry. Trillions, trillions. Look, if you got a debt collector reporting on to your credit, you got a debt collector texting you, calling you, emailing you. You got a debt collector texting you, calling you, emailing you. All you got to do is go over to VanceDodsoncom, get on a wait list and, when you're notified, take that chance, book a call, reach out on social media and let's get the help that you deserve Would you ever be in that industry?
Speaker 1:Nah, man, would the information you know? Nah, couldn't be, so you're not driven by the money.
Speaker 2:I'm driven by the money, but you're not. I'm driven by the money and passion. Anybody tell you this is not about the money man, they a liar, bro, but you ain't really driven by the money.
Speaker 1:You're driven by the money, but you're not really driven by the money. Because I heard you on several occasions say and I'm not saying you don't, but in a capitalistic society with a company that that is profit driven, is is revenue first.
Speaker 2: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-profit company, I'm for profit.
Speaker 1:You're non-profit straight, straight for profit. Now, you're non-profit straight for profit. Well, it's, it's, a little, it's a little. Do you have a non-profit arm?
Speaker 2:straight profit, straight profit.
Speaker 2:You know what I'm saying. Straight profit, no, but you know I look at it all right. So perfect example man, a lady calling me and I'm she like I gotta figure out what you're coming 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 a security credit card from a local credit union. So, off the top, people just only think about navy federal. And I'm like, okay, it, it's more you know credit unions out there that offers better you know products than Navy Federal.
Speaker 2:So she calls me back. Matter of fact, I mean she called me at like 11 o'clock at night. You know what I mean? I'm like, hey, who this? She talked about some credit repair. 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 go to a local credit union and, you know, obtain a secure credit card. So she comes back. She's like I did, or I plan on doing, two to three hundred dollars, right. So I'm like, man, I don't know about that, but OK, cool, do that, because that's a start. And then, hey, go do at least fifteen hundred. So now this was really literally yesterday. She, she is like yeah, so yeah, they said that, uh, the car can be in the mail and this, and I got approved to do it.
Speaker 2:So I'm still not clear on if she even put the money up. Because what I'm trying to do if somebody come to me about increasing a FICO score, I'm really trying to heal the relationship that they got with money, because really, people got a messed up relationship with money. So, like you, you'll probably use money like a hammer. Like you know, you're using money in a different way than what an average consumer would use the money for, and so what I'm trying to do is repair that. So I want to see people invest in themselves. So this is the thing. I want to see people invest in themselves. So this is the thing.
Speaker 2: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 your progress. So because people have people have it in their mind like, ok, I'm going to give you this dollar and I want that lollipop, now, of course, 100%. So to see the plant grow. Consumers don't see that, so that'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 in three months.
Speaker 2:So I know if, when I get to the point to where, okay, I'm finna, accept money from you, you're gonna see a lot um increase when I get involved, because you're getting the hardest part out the way, which is building credit. So consumers think building credit is you paying the credit repair company, and now you just got the 700. No, it don't work like that. So you got to create captivity, which is space in between primarily credit cards, to get that increase that the consumer wants to see. So I want to get that out the way, because if you don't get that out the way first, you're going to have a bad customer 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'm trying to tell you to go invest in yourself and you haven't did that.
Speaker 1:So let me ask you this With that same customer as an example, right? Because you were telling me your nonprofit is for profit. You know what I'm saying? Yeah, yeah.
Speaker 1:So why not someone like that? Why not potentially throw her in, let's say, a community right For three months? That might be low. Ticket could be $49 a month, $69 dollars a month, where she stays in your environment, right Of education, and she stays in proximity to the information, where you can help to grow that mindset and she can kind of get a newer understanding and a newer relationship with money while she's doing a strategy that you or applying some information that you gave her. Yeah, right, um, the reason why I'm saying that is because, like, she's making a small investment, but it's an investment. You you did give her some information, you helping her.
Speaker 1:She may not be ready for the next movement because she's still got that 90 days that she has to, you know, in her case obtain and utilize the secure card, work it, build some relationship and then hopefully it'll be, you know be ready to either become unsecured, or they give her more money, or they give them more money, and in that way it's like you have a customer at a starting period and then she can graduate to, let's say, the next level, or she can stay in that level if she want, based on where she's at. Yeah, and you're still able to help that person. You know what I'm saying.
Speaker 2:Oh yeah, oh yeah.
Speaker 1:So that's something that you know I haven't put in place, yeah because I think that would be cool, because, like just being able to, I mean, you don't got a, do you have a community?
Speaker 2:No.
Speaker 1:So, just so, let's say, I'm working with you, I don't know, for four months or something, six months, whatever how long is it going to take for you to fix my situation? Let's just say hypothetically, uh-huh, do I got access to you in a weekly capacity or do I got access to you whenever we need to touch base, essentially Just whenever, okay, I bet. So I think it's valuable, especially from that angle where you're like you want to educate these people on that mindset piece so they don't interact with where they was at when they came to you and you want to make 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 maybe they've grown that mindset If they didn't come directly from someone that has a better understanding, that really wants to solve the problem, and then you can take them on, because then now that really put you in that position to be for profit as well, because not only are you, you, um, uh, you, you created another product for you know people to come into.
Speaker 1:You know I add a lower ticket for, let's say, the people that may not be able to invest at a higher level or get started at a higher level, you're able to serve them, um, and it's and it's like it's a trade for your time and the value, right, yeah, um, but then also it generates that, that mr revenue. So now you can have, you know, like, if we doing a math, you know, because I know you help a lot of people. So so let's say I don't know 800 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 month situation. You know what I'm saying. That's $40,000 a month.
Speaker 2:Yeah.
Speaker 1:On a low ticket, low ticket. And then you're changing their lives because they're in the mindset.
Speaker 2:Yeah. So a hurdle in my head is right. The numbers seem good. Yeah, it seems good. But man, managing 800 people with a messed up mindset is difficult. So credit repair has always been that reoccurring model. You know what I mean. So if anybody tell you like oh man, you know, we don't have any churn in our business yeah, everybody's churn, everybody I mean yeah.
Speaker 2:So now, and it's true, man, when you, when you create a solution, another problem comes no 100%, and then another problem comes. You know what I mean. So I would have to hire, dang near, a customer service person. That's a good problem, you know what I mean.
Speaker 1:That's a good problem to have, because you can't. I mean you want to be able to service all those people and produce a high level product, as you're doing now. But it's a trade off because you know more people need what you have. Yeah, man.
Speaker 2:So I had a deep conversation. You know like a couple hours about that. So the guy was talking about Kwan. He was like, you know, he should, you know, serve or have a community like $150, $150 a month. I think that's a great price and I'm like, but Kwan, like, let's say, for an example, like why would I put up with this $150 headache? But I can just go sue a debt collector statutorily $1,000. Like they'll give out a thousand dollars real quick. Why, why can't you do both? So say, for an example, I'm like I got to put up with this person for 10 months. You don't got to put up with that versus versus one lawsuit in a couple of weeks.
Speaker 1:But what I'm saying is you don't get. You got to look at it like this Right, I'm Apple, weesh. But what I'm saying is you got to look at it like this right, I'm Apple, I got an iPhone. I give you a charging block or no, I give you the charger. I don't even give you the block Case service apps. You know what I'm saying? Oh yeah, they're in there about to charge us for Wi-Fi in a minute.
Speaker 2:You know what I'm saying? Oh yeah, they're in there about to charge us for Wi-Fi in a minute.
Speaker 1:You know what I'm saying. So back to your point, because you were saying every problem you solve creates another problem. Oh, yeah, but there's nothing wrong with having a service that can solve multiple problems, because you can have a service that can get people on a certain level. You can have a service that basically helps me build that person up that I hope get that debt sniped. Yeah, why? Because I might have got the debt sniped for the person, but that person's mindset may not have changed yet. Yeah, but if I'm active in the program you know what I'm saying. I come to the Zoom calls, I go through the curriculum, I'm reading, I'm studying I might have a changed mindset. You know what I'm saying Hopefully, but yeah, yeah, more than likely I will. If I'm participating Now, if I just sign up to some stuff I ain't using, I'm not going to have a change mindset. And in that community example, you can either hire a mindset 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 about paradigm shifting, some bar practice shit, whatever. You know what I'm saying. Because they're going to need that too. Yeah, right, because I can be around the information, which is great.
Speaker 1:Some people all you need to do is put them in an environment. They're going to take it from there. Some people need the environment, but they're also going to need someone to hold them accountable in the environment. Oh yeah, right. Then some people need the environment accountability and they need a roadmap. You got to look at it right.
Speaker 1:Let's say, I mean you could hire a community manager, va. Okay, let's say you want to hire VA, you can pay a VA. Let's say you paid the VA a max that could be $1,000 a month, right, so you got $1,000 a month. You divide that by the 150. That's six people. Yeah, that salary is taken care of. You know what I mean? I guess it really just kind of depends. You know how you want to do it, but I think there's a whole piece with the post-debt collection removal, with educating the person, keeping them in the environment so they don't end back up working with you to get something else removed. And I don't know what that percentage looks like of having somebody, after you help them remove a debt, seeing them again like yo, you know what you did for me.
Speaker 2:Yeah, I'm gonna need that yeah, man, I mean it would. It would definitely have to be tiered if I was to map it out. Yeah, I just don't see myself for $69 or even deploying any method of mine. You know what I mean For not for no $69. I'm not even going to think about it.
Speaker 1:Yeah, I mean, again, I don't think it's something that you got to do Personally I think, well, two things One, you would hire somebody that manages to act, you know what I'm saying. And then two, it compounds. Yeah, you know I mean what we say. Like you said, the 150. So even that, 60 people times 150, that's, that's 10 grand, basically 10 grand a month.
Speaker 2:You know, I'm saying you got 60 people, but yeah, so I you know I'm digging, I'm digging it, yeah, but everybody coming in at different points is gonna learn different and and people's like wherever they're at is different. You know, I was talking to a credit repair specialist probably an hour ago, right, and the basis of credit repair to me is at least the Fair Credit Reporting Act, and she didn't even have a basis on that. You know what I'm saying. So it's somebody I think almost 30,000 followers, you know what I'm saying and just spewing out information, and so I'm like dude. To me that's dangerous, that's very 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:So I'm like dude, that's crazy. Guess what, what's it do, guess what? You can't help them because you ain't got your community yet Right? You know what I'm saying. I'm not saying she right or she wrong. I'm not saying you right or you're wrong. I'm just saying how you can make more impact. Yeah, you know what I'm saying, because I know you like helping. You don't even want to charge me. Oh yeah, you know what I'm saying. Oh yeah.
Speaker 2:Yeah, man, we should do a raffle. What's the raffle? I mean we should help somebody for free. Yeah, but help, I'm with it. Right but helping somebody for free is just that crutch.
Speaker 1:That's my point.
Speaker 2:Yeah, man, that's my point, bro. It's just like dude, like like I mean, this is a thing like I never. We want to help somebody for free.
Speaker 1:I'm just making a point here yeah, but I never.
Speaker 2:I never went to. I never went to mcdonald's. It's like, hey man, let me get it. No, you know what I mean. I always like what's the cost? Okay, cool, let me pay pay.
Speaker 1:Yeah, but McDonald's wasn't like. I want to make sure this is a good burger for you.
Speaker 2:Nah, they just going to slaughter it out you know what I'm saying.
Speaker 1:Like, I mean, that's the type of meat we do, because you handle that meat, you can't. All right, look, listen, go to Wendy's, go to Burger King, eat a couple of Taco Bells. That's going to get your stomach right. Once you do that, come on back. Our burgers is perfect for you. You know what I'm saying. You feel me Now. They're like yo, we got what you need. You need the burgers, you need the nuggets, you need the apple pie.
Speaker 2:Yeah, man, that 150, as it run through my head, I't. I don't think so.
Speaker 1:It got to be a little bit more than that, because I mean, you gotta think about the community is, for the community isn't a one-off bro, you know what I'm saying it's going to add up.
Speaker 2:You feel me like so say, for an example, man, you know I'm looking at, I'm looking at these cases that go to trial. Yeah, in time, these attorneys is charging a 160 000 for their time. You know what I'm saying? So it's skill is skill is skilled like, so say, for an example aka, getting the violation, that's a skill within itself. Yeah, um, if you don't, if you don'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 is a skill. Yeah, no doubt. Deposing someone skill right. So you got to be on your P's and Q's with one drafting that summary judging motion and opposing that summary judging motion and then just going to trial itself. All that's a skill. So say, for an example, just doing numbers off the top of my head, at 150, that's almost 1,800 bucks.
Speaker 1:I don't know if you need to be doing all of that at that level. I think that level might just be getting people the people you turn in the way that they need to get in position for that level. That's what I'm saying. Or the people that come out of getting the debts sniped so they can have the mindset right. I don't think people at that level are getting their credit deleted. I mean getting their credit sued, I mean getting their debt removed is what I'm saying. I think it's certain information 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's sued, they're in that other level where they're keeping their mindset right, so they're never going to have to be in a situation where they have to get their debt sued again, unless there's a life situation that happens out of their control, that's what I'm saying.
Speaker 2:Oh yeah, I'm not saying at the 69-150 price we going to.
Speaker 1: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 at all. I'm saying about that. I'm just saying, if I come to you and, like you just said, with the lady and I'm getting sauce at the level where, like yo, you can go get a secure credit card, this is the play or this is the move. You know what? This is how you understand your credit report. This is what a credit mix is. You know what I'm saying. This is how you structure your credit. You know what I mean. Like information on that level and just financial literacy information. Maybe that's in there. But then once they're ready you know what I'm saying they pop up like toast. They're ready to go get some debt sued, next level, you know what I'm saying.
Speaker 1:Oh yeah, that's all.
Speaker 2:You know what I'm saying. Yeah, I can probably put something together.
Speaker 1:Yeah, I mean, I'm not trying to trust your arm, I'm just trying to you know. But keep in touch with who's paying? You ain't got to do it. You know there's systems out there that'll.
Speaker 2:Weed them out.
Speaker 1:Yeah, turn off when they ain't paying. You know what I'm saying. And then you hire somebody to basically, you know, manage and run the community. You just pop in. When you pop in, it's like oh man said, oh shit, it's the second Tuesday of the month, Vince pulled up Like. You know what I'm saying. Yeah, you just hot people. This is dope, bro. This has been really dope. I hope y'all got a lot of information, because I got a lot. I feel like I'm smarter.
Speaker 2:You know what I'm saying For sure.
Speaker 1: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 of the debt, like how can they connect with you?
Speaker 2:VanceDodsoncom. All social platforms. Vance Dodson man you know, come and follow me, shoot me a DM. Let's check out your situation and go to the next step and just go from there All right, bro, appreciate you All right.
Speaker 1:Jumping on, paul, I'm going to hold you to that. Okay, see you in November, come on.
Speaker 2:Floor seats. Nah, man, I'm like about nine rows back. I mean that's cool, yeah, from the visitor side. That work? Yeah, I can say. Hey, Mark Cuban, he always say what's going on.
Speaker 1:Yeah, all right. Well, listen, y'all make sure you check out Baga Events, get more educated on financial literacy, learn more about that credit report and if you got debt, you already know who to go to Share this episode out with someone else, and we'll see you guys on another episode of the podcast. Let's get it. Thanks for watching.