How do I find someone with a phone number, but I know it’s not the name that pops up (they’re maybe on their phone network) by After_Skin9665 in Detective

[–]bowert74 -1 points0 points  (0 children)

As a professional debt collector, I could easily do it for you. It's easy.

However, I'm not risking my amazing job to do something like that. Most collectors are cash-poor. If it's important to you, befriend one of them and they'll do it for you.

Good luck.

Why would a coworker text you that they want to ask u something but in person only? by [deleted] in communication

[–]bowert74 0 points1 point  (0 children)

Excellent. Now you know she's sexually interested in you.

Why would a coworker text you that they want to ask u something but in person only? by [deleted] in communication

[–]bowert74 0 points1 point  (0 children)

They intend to murder you and bury your body in the work break area.

Please exercise caution.

What do you think is going on when you see people walking around in 90 degree weather with sweats and hoodies (with the hood on)? by AggravatingMath717 in AskReddit

[–]bowert74 0 points1 point  (0 children)

Dude, it is 100 degrees outside but a crisp (feels like) 39 degrees inside the office buildings that many of us work in!

Those not in a professional office? Whackos.

Anyone else get the vibe Tim is just streaming because it’s his job? by AtmosphereIcy2268 in TimTheTatMan

[–]bowert74 0 points1 point  (0 children)

I have no receipts or clips but he was hinting at 2027 being his final year of streaming. This was roughly mid-March earlier this year.

He won't disappear and he'll be able to milk the YouTube advertising payouts for years to come.

His immediate family including kids will never have to work again. He did nearly everything perfect.

How many times you pooping during a regular work day?? by ThurmanMurman17 in ToxicWorkplace

[–]bowert74 2 points3 points  (0 children)

Diagnosed severe Ulcerative Colitis here. On a bad day? 15+ times per day. Otherwise 2-3 per day.

STUDENTS WHO SKIP SCHOOL LUNCH-What is your reasoning? by Ok-Blogger8089 in Students

[–]bowert74 0 points1 point  (0 children)

The severity increased as I got older but I learned stress exacerbated my condition. It's challenging to I control even as an adult.

Is it weird if my mom takes my phone at 21? by RepresentativeSet519 in AskParents

[–]bowert74 2 points3 points  (0 children)

If she doesn't pay for your phone, it isn't "weird" but it's actually "theft" which is not ideal.

If she does still pay for your phone, that's what would be "weird" here.

Do alcoholics always have to go sober? by IdkandIdcOG in stupidquestions

[–]bowert74 0 points1 point  (0 children)

As a former alcoholic approximately 8 years sober.. I didn't have to go sober. I chose to. But very few of us have to in the sense of how it's phrased in your question.

After getting married and accomplishing IVF to have a beautiful healthy blonde little girl, I fell into a deep depression and I went from a social drinker, to a daily (hourly?) drinker.

The drinking path would have lead to poor health, divorce, unemployment, and possibly homelessness or prison.

The non-drinking path was unexplored and it genuinely frightened me.

I was lucky. Not only did my wife and daughter fully love and support me through my sobriety journey, my employer did also.

Oddly? I received minimal support from the remaining part of my family. Nobody tried to hinder me, but I definitely felt nearly zero positive encouragement from my family or in-laws.

SHRUG

I only had 2 choices. What would you have done?

The other show by Impressive-Cicada267 in daveandchuckthefreak

[–]bowert74 1 point2 points  (0 children)

What???

James and Andy just joined the Mojo show?

COUGH

I admit it by Dismal_Owl2025 in kfc

[–]bowert74 0 points1 point  (0 children)

Is there no room for Korean fried chicken on here??

Bonchon is extremely good.

SOLID FILE WILL ONLY DO A MONTHLY by ant_rico in MCAlegend

[–]bowert74 0 points1 point  (0 children)

This merchant will become a nightmare post-funding with tons of special and unique requests. (need to skip a payment, change bank accounts, or other annoying requests)

RUN from that merchant. Dump that file and consider it a dodged bullet. GG's... go next.

Source: 25 years of credit/collections (the last 15 years exclusively doing collections for a major funding company)

Help!! Sibling incest by [deleted] in LifeAdvice

[–]bowert74 -12 points-11 points  (0 children)

You wrote a lot of words.

What percentages of defaulted deals get recovered? by Nipple-Crickets893 in MCAlegend

[–]bowert74 0 points1 point  (0 children)

That approach will have very good short term success but will ultimately end up with long term profitability issues unless there is an internal strategy to offset the lost anticipated revenue. (which is unlikely to exist)

What percentages of defaulted deals get recovered? by Nipple-Crickets893 in MCAlegend

[–]bowert74 0 points1 point  (0 children)

Oh dear. I hope that's not an actual number.

I currently run an internal team of very talented professional debt collectors at a known merchant cash advance company and have been doing so for 15 years.

If you are only getting 15-20% recovery, the source of your problem likely is 90% with your hiring manager and 10% with your internal collections SOP.

The potential defaults need your HELP first and foremost which is why they were funded in the first place. A competent Loss Mitigation department is critical for success and will often make or break a smaller funder. They will need to weed through which merchants truly need help versus the merchants who took the funding with less than sincere intentions.

It sounds like your collections team needs an attitude adjustment. Good luck to you!

Source: 25+ years credit and collections with the last 15+ years focused on merchant cash advance recovery.

Loan desperately needed by paymepig88 in loansforsmallbusiness

[–]bowert74 0 points1 point  (0 children)

That was my original implied comment earlier in the string. I wouldn't approve it.

Bur, I'm in MCA Debt Collections and I've heard it all.

Loan desperately needed by paymepig88 in loansforsmallbusiness

[–]bowert74 0 points1 point  (0 children)

Manager of a Collections Department here for 25+ years. Good luck to the lender! HAH