Viewing profile — BobJS

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You can't buy individual debts. They come in large portfolios of thousands of accounts.

I wrote it like 8 years ago dude

Did I say that? I don't recall writing that. It's just credit markets really. Not all that interesting. Most people just don't think about them.

Lots of sending out letters and making phone calls. I spent a lot of time and energy trying to automate the process but the industry refuses to modernize.

I left because I fell in love with building software and I hated debt collections. The financial literacy angle is interesting but there's an even arguably more predatory industry …

I'm very skeptical about debt cancellation because if there was a way to make it into a business, it'd be a business. The people who talk about doing that all lose money as a chari…

It depends on the age of the debt and how many agencies it's been through. Medical debt is also much harder to pursue legally if need be, plus everyone hates the guys who sue medic…

We had low liquidation but we went through accounts fast. So clients didn't like us. Banks would rather pass off debt to an agency that will threaten people and liquidate higher. S…

Because you can't prove a negative. I can never prove that you didn't pay something but you can prove that you have. As an agency, you're operating from a spreadsheet that Discover…

It's a legitimate need, it's just a corrupted industry because of misaligned incentives. We need some form of debt collections otherwise credit couldn't exist. The problem is that …

I probably have. I've been out of the industry since 2019 and I tend to create a lot of content. Since that is currently how I align I'd be surprised if I haven't done that somewhe…

This article leads a lot of people who want to break into the industry to reach out to me and I turn everyone away. Once I tell them what they can expect they're rarely still inter…

I can answer any specific questions anybody has but basically, I landed in the industry by chance and got good at automating the collection process. I never had the backbone to str…

Gladly

I wrote this article years ago. I can't believe it's on HN today. As someone who spent almost a decade trying to run as ethical an agency as possible, I realized that there's no ro…

Anybody who has ever worked in finance or any number of Finance adjacent industries realizes how easily accessible social Security numbers actually are. Anyone can sign up for a sk…

Location: New York & San Francisco Remote: Yes (Preferred) Willing to relocate: No Technologies (Professional): Node.js, Express, JavaScript, TypeScript, React, Next.js, Node.js, V…

This is unreal. Evan is a true visionary. My money is on Vue long-term over the other popular frameworks. Most JavaScript developers are probably fond of most frameworks, but I lik…

Same here, I genuinely want my family members to try it because the experience is so much better than the description can really express.

I've put on some weight sitting in a computer chair and not leaving the house during the age of COVID-19 and I've been trying to diet but man, it's hard. I am genuinely shocked by …