Validating the Debt is Critical in Fighting Debt Collection

This is a guest post by Sergei Lemberg, a consumer attorney.

Many people aren’t surprised when a debt collector calls. After all, they know they owe an overdue debt. But what happens when you’re taken by surprise because you didn’t realize that you owe a debt or had forgotten that you owed money? Bill collectors often spring this kind of surprise on unsuspecting people, and make people so desperate that they end up paying the bill – even when they don’t owe the money in the first place.

That’s why, if a debt collector calls, the first step you should take …

Cake in the Mail – from Ruby

I got a cake in the mail today. Life doesn’t get more awesome than that.

It’s from my awesome virtual receptionist: Ruby.

When I first signed up with Ruby, they sent me a cool mug. When I went back to them, I actually wondered if I’d get another mug. :) Seriously, the mugs are cool.

But they outdid themselves by sending a cake. Not just a plain cake with a computer-printed card inside. It’s a custom cake with a handwritten Ruby note card. Impressive.

Here’s the coolest part: They’re in …

Back With Ruby, Virtual Receptionist

My law firm gets a couple dozen (or more!) phone calls every day. Last year I had a virtual receptionist service help me by answering the phones. I wrote about the service, Ruby Receptionists, two different times.

I hired an in-office assistant last fall, and I stopped using Ruby. I thought me and my assistant could just handle the phones ourselves.


From February 1st to February 24, fourteen unique callers got our voicemail and didn’t leave a message. That probably means we lost at least 10 potential clients. A third of them would most likely have retained me for their …

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  • About Andrew Flusche

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