Kevin T. combines the worst of Bill Clinton/P.T. Barnum/Donald Trump all into one "As Seen On TV" host from hell charleton to dupe you fools out of your money, one book at a time. These magical phrases are just complete BS that numbskulls believe because they're desperate. Half of America is desperate so I'm not surprised that dunces buy it as magic. Deadbeats who don't pay their bills should have creditors on their A**ses like white on rice. You borrow money, you pay back the money. That's how it works. Banks aren't in the business of losing money on loans so they will do what it takes, hire whoever is successful, and get most of their loans realized. Kevin seems to be ok with deadbeats skirting the law, wonder why (wink, wink). There are no magical words that cause the collector to immediately hang up the phone. Debt stays with you until you file for bankruptcy, that's your only out.