What Is on Your Facebook Is on the Repo Man's Mind

If you are in debt and facing repossession, the repo man could be (and probably is) reading your Facebook

. I'm not kiddingthere have already been news stories about this very thing. One woman who worked for a repossession agency was talking about how useful it was to find people on Facebook who had changed their address or phone number to avoid the repo man. Chances are, if you are anything like me or the other 500 million Facebook users, you've posted a status like, "Meeting Dave at Luigi's Tavern tonight!!" that blatantly revealed your whereabouts.In that case, you might be meeting the repo man at Luigi's Tavern too.What can you do to protect yourself online?1. If you don't know someone, don't accept their friend request. That one is simple enough. The information you share on Facebook is privateif you don't know someone in person you shouldn't be friends with them online.2. CHANGE YOUR PRIVACY SETTINGS! I can't tell you how many people still need to do this. The default privacy settings for Facebook make you search-able by name on Google and display your wall posts and status updates for the entire world to see. Click "Account" in the top right corner of your Facebook homepage and then go to "Privacy Settings." When there, adjust your settings at the very least to "Friends Only." This means only your friends will be able to see your status updates or your wall.3. Avoid using your real last name. A lot of people are using their middle names instead of their last name for an extra level of privacy. Everybody should change their Facebook privacy settings as a part of practicing good online safety. But, if you are changing your Facebook settings because you are trying to avoid the repo man, you might be doing the right thing for the wrong reasons.Whether you like it or not, if you have a lot of debt and are facing repossession, the repo man will find youon Facebook or in real life. You can think of new ways of running from the repo man all day, but you really need to consider what to do when you can't hide anymore. Your creditors don't want you to know that there ARE ways to avoid repossession or foreclosure.You are not out there without any options. Actually, for a lot of people, a bankruptcy attorney is the best security they can get. Not only will you stop having to hide from your creditors, but you will be able to get a fresh start with a Chapter 13 bankruptcy. You will be able to create a repayment plan that will get you out of debt in 3-5 years and get your home protection from foreclosure, your car protection from repossession, and your family protection from further actions by your creditors like wage garnishments or harassing phone calls. Look, before you do anything you need to go to your Facebook account and fix your privacy controls. After that, you might want to find a bankruptcy attorney to "friend." Your best Facebook friend will be the one who can keep the repo man at bay and get you the fresh start you deserve.

What Is on Your Facebook Is on the Repo Man's Mind

By: James Brown

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