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Tips You Can Use to Repair Your Credit

Here are a couple tips you can use to repair your credit.

All cases of bad credit are not a result of people being irresponsible. Some bad credit is strictly because of unexpected hardships that affect their financial situation. You may have been that person who paid your debts on time maybe even before due and then the next day an accident, job loss or health situation changes everything overnight. This can wreck your great credit rating and it was out of your control.

You can hire a repair service to get disputed entries removed from your report. But did you know that you can often get the same results at a much lower cost? It can be time-consuming. Below you will find 2 tips that can help you correct your reports yourself.

Option #1: File a Dispute with the Credit Bureaus

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Even Santa Needs a Budget

Have you thought about it,  even Santa Needs a Budget?

Can you imagine if Santa didn’t determine how many children he had to buy for before he started making toys?

When planning out your Christmas List create the budget to go with it.

  1. It is very simple to set up and Excel page to plan and track your spending.   I’m sure if you looked online there is an app for that.
  2. Make a list of all the wonderful people in your life you want to purchase a gift for. Don’t forget the people who deliver your mail or pick up your trash or any other services you receive on a regular basis.
  3. Put the amount you are planning to spend next to them
  4. Total the amount of all those gifts

If you just choked at the total it is time to reassess the amount you are spending on each.

Christmas is meant as a time of giving what you can afford, not going into debt.   Don’t get caught up in the merry-go-round of keeping up with the Jones’ when the Smiths are drowning in debt. Create some traditions that have nothing to do with money but the true meaning of Christmas which is giving from the heart.

Here are some suggestions that cost nothing or very little to give but could be priceless.

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How to Create Your Family Budget

Learn simple tricks how to create your family budget.

If you are single the job is much easier. Singles tend to have a pretty good handle on what they earn and what they have for expenditures. Creating a Family Budget is an entirely different animal.
Families typically have multiple sources of income such as 2 incomes. This being the main reason it is necessary to create a true budget. However, sticking to a budget can be difficult but can enhance your family financials greatly allowing you to save for the important things in life such as college or vehicle.

Let’s get started:

1. Make a list of all income no matter how large or small. If some income is based on commission or can fluctuate always base on the lowest amount.
2. Start listing all your expenses on your phone or a notebook for at least a month. You will want to keep all your receipts and ask family members to turn theirs in at the end of each day, otherwise, they get lost.
3. Total your expenses for the month. Include everything! Monthly bills, groceries, lunches, gas, and parking costs. Don’t leave out ANYTHING.
4. Now gather the family and find out how you can trim your expenses. There are some things that are nonnegotiable expenses and others that could involve maybe fixing coffee at home instead of stopping at Starbucks or planning to take your lunch twice a week instead of eating at St Louis Bread Company.

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How a Debt Collection Agency Can Save Your Business Time & Money

Take a look at how a Debt Collection Agency Can Save Your Business Time & Money.

 Outstanding debts are painful and annoying. Settle them once and for all with a Debt Collection Agency that produces results.

You don’t need to be a corporate mastermind to understand that collecting money is the main goal of any business. When the money you earned isn’t collected, you lose out on the value you created. Then, as time goes on, you’re increasingly less likely to recover that value.

If you’re a business owner, you probably don’t have a lot of free time on your hands. Not only that, but the topic of debt collection is often intimidating. You wouldn’t want to spend your precious time diving into a complex subject that may or may not yield results in the long run.

This is where debt collection agencies come into play.

Debt Collection Agencies are 3rd party contractors who locate debtors and convince them to fulfill their monetary obligation to you. They specialize in debt recovery so you can continue working on other aspects of your business.

The right agency can get your hard-earned money back in your pocket quickly and effectively. They accomplish this through a variety of industry standard practices. Some of the most important aspects of a collections agency include…

Legal Protection

Debt Collection is a tightly regulated industry because of its history. In fact, consumers have filed more complaints with the Consumer Protection Bureau over collection agencies than any other business, product or services.

Consumers often seek every avenue when avoiding a debt. If you make a mistake while trying to collect from them, there could be legal consequences.

Collection agencies understand this and are therefore well-versed in both federal and state regulations. Allowing a debt collection agency to track down your debts eliminates your legal risk and puts it into the hands of a prepared company.

Success Rate

Hiring a debt collection agency significantly increases the odds you will receive your money. These agencies are experienced in locating and collecting outstanding money, and they typically have access to a wider range of resources than you.

While your main focus is running your business, their main focus is collecting your debt. They understand the most effective ways to legally coerce a debtor into paying and they pose a much larger threat than an individual business owner.


People typically pay much faster after being contacted by a debt collection agency. In addition to receiving your money in a timely fashion, it also frees you up. Hiring an agency allows you to return 100% of your focus back toward your business.

Not only will you have more time to concentrate on your business, but you will also gain the peace of mind knowing the revenue is on its way.

Debt Collection agencies serve a lot more functions, but these are the most important. Instead of letting a debt drag on for months or even years, you can retrieve your money now.


MCA is a third party debt collection agency that has been in constant business since 1950.  We are rated A+ with the Better Business Bureau and we pride ourselves in excellent customer service along with delivering great recovery rates.  There is no cost to you unless we collect!  Why not try and re-coop some of your past due accounts with no out of pocket expense?



Is Your Spouse a Workaholic?

Tips to Keep Your Marriage Healthy if your spouse is a Workaholic.

Use these tips to keep a happy marriage and live with your WORKAHOLIC spouse.

  • Don’t be a Nag. Nagging or complaining will not work.  Try using a positive tone when talking about what they missed because of work.  Maybe a dinner with negative or the defensive tactics will kick in.
  • Stop Enabling your spouse’s behavior as a workaholic.  Do not change your times and delay meals or activities just because you “hope” they might be home by then.   Be careful about interrupting your children’s typical bedtime trying to keep them up to see your spouse.Workaholic
  • Leave them be. Show them the consequences that come from working too much.  Go on and take your children to the movies or to Disney.  Even if it means leaving that spouse behind.  Continue making memories with the important people in your life.  Do not put your life on hold because they can’t take time off or refuse to take time off.

Work Work Work

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What Do Collection Agencies Do

What do collection agencies do you ask?  The first thing once you receive a call from a collection agency your heart is beating harder and your mind is racing.  You may even realize you are behind or haven’t paid your bill but you were still dreading the phone call.   No need to be nervous you just need to understand the process and how you can reconcile it.

Keep in mind the collection agency ‘s end results is a paid invoice for their client.  They want to work with you.  They realize life happens and you probably didn’t intend for this to be turned to collections.

How Debt Collectors Work:

There are several ways Collection agencies operate.  Some operate in-house and someone from the company would be contacting you or they could be using a third party.   That would typically be an outsourced collection company or an attorney.   They generally would not contact you until you are 60 days past due.

They typically keep 25% – 45% of the recovered debt.  They recover for numerous types of industries such as medical, credit card, vehicle and home loans, unpaid utilities for just a few.

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Stop Sitting Too Much – Exercise

Stop Sitting Too Much.

Do you think exercise is important?

As a business owner if your employees stay healthy it saves you on productivity, insurance, training, and morale.  According to the World Health Organization, 3.2 Million deaths can be attributed to lack of physical activity.

Are you sitting too much?

Here are a few tips on ways to stay in shape while at work.  As we know the problem with most exercising is life requires our time that is priceless and has to be used in other ways.    If you could accomplish this missing link at work, why wouldn’t you?  Therefore, many companies are adding incentives for getting healthy.

Do you think staying healthy is important?

Article #1:  #1 in the article they talk about being a Twinkle Toes and tapping your feet under your desk for circulation.   That is certainly a simple way that all of us can get in a little exercise.

Article #2: This is a tremendous article with visual moving instructions.  One that that got my attention was called the Hallelujah.  Simple as sweeping arms above your head and down again as you step from side to side.   They say yelling Hallelujah is totally optional.   For those who do this at church, it may come a little more natural.

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Why Collection Agencies Exist

Why do collection agencies exist you ask?  No matter how great the company, there are going to be bad debts.  A Collection Agency exists to assist the business owner in securing that unpaid debt.   No business is too small or too large to have delinquent accounts.   If the company continues to try and collect on their own, they risk several things.

  • Taking too long and having to write it off
  • Approaching it without knowing the laws and getting in trouble and spent a lot more than they collect
  • Not having the necessary tools to track the debtor down if he/she moves

3 Techniques for Critical thinking!You probably wonder how they charge

Many think it is too expensive for little results.   How they charge is a great question as some collection companies charge a large fee upfront and they don’t push to collect like those who you only pay if they collect for you.   The latter option leaves those business owners with a win-win.   

Allowing a collection agency to work on your behalf allows you to retain that customer and their referrals in the future.  It takes the emotion from the equation as this could be someone you have known for years or even a family member. You do want to do your due diligence and search for a reputable collection agency like MCA Collection Agency with their A+ BBB rating.  They can help you if your business is in MO or TX.

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6 Ways to Motivate Your Employees


No matter the size of your company you can use these 6 Ways to Motivate Your Employees simple tips to create the ideal workplace.  Ever had a goal to be noted as one of the best places to work?   We know when our employees are happy they are much more productive.  The question is how do you motivate them in the interest of growing the company.    Motivating employees don’t necessarily cost a lot monetarily but it does take forethought and planning.

The smaller the business the more you need to increase productivity.

You also need employees that work like the company belongs to them.


This maybe a simple as putting reminders on your phone to simply wish someone a happy birthday or to plan around holidays.   Plan ahead to tell people how much you appreciate them.


If your employees don’t know you they won’t respect you.  In turn, they will not have the same investment in the success of the company.  Get to know your employees and call them by name.   Set goals as a team.   Good communication either makes or breaks a company.


Never expect out of an employee something you wouldn’t be willing to do yourself.  Keep in mind they will mirror your actions.  If you are grumpy they will be grumpy.  If you don’t treat people with respect they will not treat them with respect.

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Signs You Need to Outsource Collections

Signs you need to Outsource Collections – As any business owner knows running your own business is not easy.  It not only takes a large investment but it is an extreme investment of your time. You have to make sure things are running smoothly and successfully.  As business owners, the last thing you want to be doing is chasing down payment for unpaid invoices.   Doing something you are not passionate about can also be an energy suck causing you to be less productive.   Here are some simple suggestions that can help make things a little less stressful.  In MO and TX debt collection agencies may be able to help you get back on track. Here are some signs that you might need to consider hiring a debt collection agency.

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    This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.

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