Merl K. Miller


Okay. I wrote the book so you could call this a miniature autobiography. I have been an entrepreneur or salesman for over 40 years.

This is not my first book. Between 1976 and 1986, I wrote 27 books on computers and robots.

From 1987 to 2013, I was a financial advisor specializing in middle class families. During that time, I met with thousands of families in their homes. Yes, it was thousands. I met more than 200 families a year. I learned some things about how people think about money and what they do about it.

In addition, I had all kinds of fancy education that has little or nothing to do with you and your family. For instance, I took a 3 year Certified Financial Planner course. It was mostly mathematics. It was like the algebra you learned in high school. I never used it.

For years, I heard about how bad collection agencies are but I really didn't know how bad they were until I experienced it myself. My story is in the first chapter of How To Fight Debt Collectors And Win!

The first thing I learned is that the “experts” including me were wrong. I gave the same bad advice about debt collectors that everyone else does. For instance, I told people to call the collection agency and try to solve the problem. That is a really bad advice. Don’t do it!

Debt management is simple (that doesn't mean it is easy). I knew I could show people how to get out of debt. I had been doing that for years. Dealing with debt collectors is not the same as getting out of debt so I knew I needed to give my clients better advice.

When I really understood how to deal with debt collectors, I knew I had to write a book. I wish somebody had told me this information seven years ago. It would have saved me some serious money and a lot of grief!

What really irritates me about debt collectors is their lack of respect for you. They don't seem to care about anyone. I know that I do. I would like to help you deal with these jerks.

Smashwords Interview

What motivated you to become an indie author?
During my 26 year career as a financial advisor, I met with over 5,000 middle class families in their homes. Three things motivated me to become an indie author. First, the middle class is hurting but it doesn't have to be that way. There are some simple straightforward ways to deal with money but most people get their advice either from someone who is more screwed up than they are or someone they can't understand. I used to have a cartoon on my office wall. A stockbroker is talking to a couple. In his bubble are all kinds of things about how an investment works. In the couple's bubble it says gobbledygook, gobbledygook, gobbledygook. It helped me remember to keep it simple.

Second, the money management books are written by stockbrokers who never dealt with the middle class so they have no idea when the average family's concern's and problems are.

Third, traditional publishers take too long to publish books. Money management can't wait for a traditional publisher to publish a hardback book. Besides, I read about 15 books a month and I read 14 or more of them on my iPad or my phone.
How has Smashwords contributed to your success?
Smashwords opens up a world of options. I am still discovering all of the things Smashwords does. For instance, many of my potential readers read books on their phone. Smashwords makes it possible to reach these markets and others I wouldn't reach otherwise.

The real strength of Smashwords for an author is the education. Smashwords does a wonderful job of teaching authors what to do and how to do it.
Read more of this interview.

Where to find Merl K. Miller online



How To Fight Debt Collectors And Win!
Series: The Essence of Money, Book 1. Price: $4.77 USD. Words: 17,590. Language: American English. Published: September 28, 2013. Categories: Nonfiction » Law » Bankruptcy & insolvency, Nonfiction » Self-improvement » Personal Growth / Success
(5.00 from 1 review)
Are you tired of calls from collection agencies? Are you worried about what will happen if you don't talk to them? Would you like a solution? In this inspiring and sometimes funny book, you learn what to say and when to talk to them. You'll also learn what letters to write, how to write the letters, and who to address them to. Read this book now and get these jerks off your back!

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