BobJS

6 ms·

1.
by BobJS 3y ago
Are you using the monaco editor? If so please enable the autoClosingBrackets: ```js monaco.editor.create(document.getElementById('container'), { value: 'const myVar = hello', language: 'javascript',
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by BobJS 3y ago
You can't buy individual debts. They come in large portfolios of thousands of accounts.
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by BobJS 3y ago
I wrote it like 8 years ago dude
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by BobJS 3y ago
Did I say that? I don't recall writing that. It's just credit markets really. Not all that interesting. Most people just don't think about them.
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by BobJS 3y ago
Lots of sending out letters and making phone calls. I spent a lot of time and energy trying to automate the process but the industry refuses to modernize.
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by BobJS 3y ago
I left because I fell in love with building software and I hated debt collections. The financial literacy angle is interesting but there's an even arguably more predatory industry around credit repair. People tend to stop caring about
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by BobJS 3y ago
I'm very skeptical about debt cancellation because if there was a way to make it into a business, it'd be a business. The people who talk about doing that all lose money as a charity, or they're sovereign citizens who think t
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by BobJS 3y ago
It depends on the age of the debt and how many agencies it's been through. Medical debt is also much harder to pursue legally if need be, plus everyone hates the guys who sue medical debtors. So I never worked with it. But I'd gue
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by BobJS 3y ago
We had low liquidation but we went through accounts fast. So clients didn't like us. Banks would rather pass off debt to an agency that will threaten people and liquidate higher. So overall, no but I had a solid run.
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by BobJS 3y ago
Because you can't prove a negative. I can never prove that you didn't pay something but you can prove that you have. As an agency, you're operating from a spreadsheet that Discover or B of A sends you. The consumer needs to k
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by BobJS 3y ago
It's a legitimate need, it's just a corrupted industry because of misaligned incentives. We need some form of debt collections otherwise credit couldn't exist. The problem is that regulations are absolutely inconsistent and d
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by BobJS 3y ago
I probably have. I've been out of the industry since 2019 and I tend to create a lot of content. Since that is currently how I align I'd be surprised if I haven't done that somewhere.
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by BobJS 3y ago
This article leads a lot of people who want to break into the industry to reach out to me and I turn everyone away. Once I tell them what they can expect they're rarely still interested.
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by BobJS 3y ago
I can answer any specific questions anybody has but basically, I landed in the industry by chance and got good at automating the collection process. I never had the backbone to strong arm people so I played the numbers game. Technology was
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by BobJS 3y ago
Gladly
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by BobJS 3y ago
I wrote this article years ago. I can't believe it's on HN today. As someone who spent almost a decade trying to run as ethical an agency as possible, I realized that there's no room for people who want to operate the right w
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by BobJS 5y ago
Anybody who has ever worked in finance or any number of Finance adjacent industries realizes how easily accessible social Security numbers actually are. Anyone can sign up for a skip tracing service or an identity validation service and rev
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by BobJS 5y ago
Location: New York & San Francisco Remote: Yes (Preferred) Willing to relocate: No Technologies (Professional): Node.js, Express, JavaScript, TypeScript, React, Next.js, Node.js, Vue.js, Vuetify, Vuex, Firebase, Firestore
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by BobJS 5y ago
This is unreal. Evan is a true visionary. My money is on Vue long-term over the other popular frameworks. Most JavaScript developers are probably fond of most frameworks, but I like them all for different reasons. Vue is the one I personall
20.
by BobJS 6y ago
Same here, I genuinely want my family members to try it because the experience is so much better than the description can really express.
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by BobJS 6y ago
I've put on some weight sitting in a computer chair and not leaving the house during the age of COVID-19 and I've been trying to diet but man, it's hard. I am genuinely shocked by Wozi. It's got this pop-rock consistency