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  <channel>
    <title>Debtor Blogs</title>
    <link>https://nsbi.net/debtor-blogs</link>
    <description>Debtor facing blogs</description>
    <language>en</language>
    <pubDate>Fri, 15 May 2026 16:51:35 GMT</pubDate>
    <dc:date>2026-05-15T16:51:35Z</dc:date>
    <dc:language>en</dc:language>
    <item>
      <title>Behind the Spotlight: Kim on Growth, Mentorship, and Elevating Team Performance at NSB</title>
      <link>https://nsbi.net/debtor-blogs/behind-the-spotlight-kim-on-growth-mentorship-and-elevating-team-performance-at-nsb</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://nsbi.net/debtor-blogs/behind-the-spotlight-kim-on-growth-mentorship-and-elevating-team-performance-at-nsb" title="" class="hs-featured-image-link"&gt; &lt;img src="https://nsbi.net/hubfs/Team%20Member%20Spotlight%20(10).png" alt="Behind the Spotlight: Kim on Growth, Mentorship, and Elevating Team Performance at NSB" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p style="font-weight: normal;"&gt;Meet Kimberly Whitford, NSB’s Training and Development leader, whose passion for helping others grow has shaped how collectors learn, perform, and succeed.&amp;nbsp;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://nsbi.net/debtor-blogs/behind-the-spotlight-kim-on-growth-mentorship-and-elevating-team-performance-at-nsb" title="" class="hs-featured-image-link"&gt; &lt;img src="https://nsbi.net/hubfs/Team%20Member%20Spotlight%20(10).png" alt="Behind the Spotlight: Kim on Growth, Mentorship, and Elevating Team Performance at NSB" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p style="font-weight: normal;"&gt;Meet Kimberly Whitford, NSB’s Training and Development leader, whose passion for helping others grow has shaped how collectors learn, perform, and succeed.&amp;nbsp;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=393559&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fnsbi.net%2Fdebtor-blogs%2Fbehind-the-spotlight-kim-on-growth-mentorship-and-elevating-team-performance-at-nsb&amp;amp;bu=https%253A%252F%252Fnsbi.net%252Fdebtor-blogs&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Tue, 18 Nov 2025 13:59:59 GMT</pubDate>
      <author>dbconyers@nsbi.net (NSB Staff)</author>
      <guid>https://nsbi.net/debtor-blogs/behind-the-spotlight-kim-on-growth-mentorship-and-elevating-team-performance-at-nsb</guid>
      <dc:date>2025-11-18T13:59:59Z</dc:date>
    </item>
    <item>
      <title>Behind the Spotlight: Jack on Leadership, Mentorship, and Driving Growth at NSB</title>
      <link>https://nsbi.net/debtor-blogs/behind-the-spotlight-jack-on-leadership-mentorship-and-driving-growth-at-nsb</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://nsbi.net/debtor-blogs/behind-the-spotlight-jack-on-leadership-mentorship-and-driving-growth-at-nsb" title="" class="hs-featured-image-link"&gt; &lt;img src="https://nsbi.net/hubfs/Team%20Member%20Spotlight%20(9).png" alt="Jack team spotlight" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p style="font-weight: normal;"&gt;Meet Jack Van Burk, NSB’s Collection Manager, who was drawn to the company as a place where he could create an impact. With nearly a decade of military service behind him, Jack Van Burk brought his passion for leadership and accountability to NSB&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://nsbi.net/debtor-blogs/behind-the-spotlight-jack-on-leadership-mentorship-and-driving-growth-at-nsb" title="" class="hs-featured-image-link"&gt; &lt;img src="https://nsbi.net/hubfs/Team%20Member%20Spotlight%20(9).png" alt="Jack team spotlight" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p style="font-weight: normal;"&gt;Meet Jack Van Burk, NSB’s Collection Manager, who was drawn to the company as a place where he could create an impact. With nearly a decade of military service behind him, Jack Van Burk brought his passion for leadership and accountability to NSB&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=393559&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fnsbi.net%2Fdebtor-blogs%2Fbehind-the-spotlight-jack-on-leadership-mentorship-and-driving-growth-at-nsb&amp;amp;bu=https%253A%252F%252Fnsbi.net%252Fdebtor-blogs&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Wed, 15 Oct 2025 14:09:55 GMT</pubDate>
      <author>dbconyers@nsbi.net (NSB Staff)</author>
      <guid>https://nsbi.net/debtor-blogs/behind-the-spotlight-jack-on-leadership-mentorship-and-driving-growth-at-nsb</guid>
      <dc:date>2025-10-15T14:09:55Z</dc:date>
    </item>
    <item>
      <title>Behind the Spotlight: Stephanie on Growth, Mentorship, and 27 Years of Dedication at NSB</title>
      <link>https://nsbi.net/debtor-blogs/behind-the-spotlight-stephanie-on-growth-mentorship-and-27-years-of-dedication-at-nsb</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://nsbi.net/debtor-blogs/behind-the-spotlight-stephanie-on-growth-mentorship-and-27-years-of-dedication-at-nsb" title="" class="hs-featured-image-link"&gt; &lt;img src="https://nsbi.net/hubfs/Team%20Member%20Spotlight%20-%20Stephanie.png" alt="Behind the Spotlight: Stephanie on Growth, Mentorship, and 27 Years of Dedication at NSB" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Meet &lt;span style="font-weight: bold;"&gt;Stephanie&lt;/span&gt;, our Director of Human Resources and Client Services, whose 27-year journey at NSB is a reflection of growth, adaptability, and dedication. From starting in data entry to leading today in HR and client services, she has embraced every opportunity to learn, evolve, and support the team. Stephanie not only drives efficiency and innovation but also mentors with a people-first approach that strengthens NSB’s culture and future.&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://nsbi.net/debtor-blogs/behind-the-spotlight-stephanie-on-growth-mentorship-and-27-years-of-dedication-at-nsb" title="" class="hs-featured-image-link"&gt; &lt;img src="https://nsbi.net/hubfs/Team%20Member%20Spotlight%20-%20Stephanie.png" alt="Behind the Spotlight: Stephanie on Growth, Mentorship, and 27 Years of Dedication at NSB" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p&gt;Meet &lt;span style="font-weight: bold;"&gt;Stephanie&lt;/span&gt;, our Director of Human Resources and Client Services, whose 27-year journey at NSB is a reflection of growth, adaptability, and dedication. From starting in data entry to leading today in HR and client services, she has embraced every opportunity to learn, evolve, and support the team. Stephanie not only drives efficiency and innovation but also mentors with a people-first approach that strengthens NSB’s culture and future.&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=393559&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fnsbi.net%2Fdebtor-blogs%2Fbehind-the-spotlight-stephanie-on-growth-mentorship-and-27-years-of-dedication-at-nsb&amp;amp;bu=https%253A%252F%252Fnsbi.net%252Fdebtor-blogs&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Thu, 04 Sep 2025 08:30:04 GMT</pubDate>
      <author>dbconyers@nsbi.net (NSB Staff)</author>
      <guid>https://nsbi.net/debtor-blogs/behind-the-spotlight-stephanie-on-growth-mentorship-and-27-years-of-dedication-at-nsb</guid>
      <dc:date>2025-09-04T08:30:04Z</dc:date>
    </item>
    <item>
      <title>Can I Be Sued for a Debt? And Other Questions We Get</title>
      <link>https://nsbi.net/debtor-blogs/can-i-be-sued-for-a-debt-and-other-questions-we-get</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://nsbi.net/debtor-blogs/can-i-be-sued-for-a-debt-and-other-questions-we-get" title="" class="hs-featured-image-link"&gt; &lt;img src="https://nsbi.net/hubfs/i-cant-be-productive-when-my-body-feels-like-this-2025-04-06-05-20-46-utc-1.jpg" alt="Can I Be Sued for a Debt? And Other Questions We Get" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p style="font-weight: normal;"&gt;If you’ve ever typed “Can I be sued for debt?” into a search bar, you’re one of many. These questions come up all the time and the uncertainty can feel overwhelming. You may be dealing with old medical bills, credit cards, or loans, the fear of legal consequences is real. But understanding the process can give you the clarity (and relief) you need to take back control.&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://nsbi.net/debtor-blogs/can-i-be-sued-for-a-debt-and-other-questions-we-get" title="" class="hs-featured-image-link"&gt; &lt;img src="https://nsbi.net/hubfs/i-cant-be-productive-when-my-body-feels-like-this-2025-04-06-05-20-46-utc-1.jpg" alt="Can I Be Sued for a Debt? And Other Questions We Get" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p style="font-weight: normal;"&gt;If you’ve ever typed “Can I be sued for debt?” into a search bar, you’re one of many. These questions come up all the time and the uncertainty can feel overwhelming. You may be dealing with old medical bills, credit cards, or loans, the fear of legal consequences is real. But understanding the process can give you the clarity (and relief) you need to take back control.&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=393559&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fnsbi.net%2Fdebtor-blogs%2Fcan-i-be-sued-for-a-debt-and-other-questions-we-get&amp;amp;bu=https%253A%252F%252Fnsbi.net%252Fdebtor-blogs&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Fri, 29 Aug 2025 14:44:00 GMT</pubDate>
      <author>dbconyers@nsbi.net (NSB Staff)</author>
      <guid>https://nsbi.net/debtor-blogs/can-i-be-sued-for-a-debt-and-other-questions-we-get</guid>
      <dc:date>2025-08-29T14:44:00Z</dc:date>
    </item>
    <item>
      <title>Why Avoiding Your Debt Makes It Worse</title>
      <link>https://nsbi.net/debtor-blogs/why-avoiding-your-debt-makes-it-worse</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://nsbi.net/debtor-blogs/why-avoiding-your-debt-makes-it-worse" title="" class="hs-featured-image-link"&gt; &lt;img src="https://nsbi.net/hubfs/young-troubled-man-with-financial-bill-2025-03-14-23-40-16-utc.jpg" alt="Why Avoiding Your Debt Makes It Worse" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p style="font-weight: normal;"&gt;No one likes dealing with debt—and for many, the easiest option feels like pretending it doesn’t exist. But while ignoring it might ease your stress for a little while, it can lead to bigger problems down the road. Let’s talk about why avoidance doesn’t work—and what you can do instead.&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://nsbi.net/debtor-blogs/why-avoiding-your-debt-makes-it-worse" title="" class="hs-featured-image-link"&gt; &lt;img src="https://nsbi.net/hubfs/young-troubled-man-with-financial-bill-2025-03-14-23-40-16-utc.jpg" alt="Why Avoiding Your Debt Makes It Worse" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p style="font-weight: normal;"&gt;No one likes dealing with debt—and for many, the easiest option feels like pretending it doesn’t exist. But while ignoring it might ease your stress for a little while, it can lead to bigger problems down the road. Let’s talk about why avoidance doesn’t work—and what you can do instead.&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=393559&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fnsbi.net%2Fdebtor-blogs%2Fwhy-avoiding-your-debt-makes-it-worse&amp;amp;bu=https%253A%252F%252Fnsbi.net%252Fdebtor-blogs&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Tue, 26 Aug 2025 09:11:31 GMT</pubDate>
      <author>dbconyers@nsbi.net (NSB Staff)</author>
      <guid>https://nsbi.net/debtor-blogs/why-avoiding-your-debt-makes-it-worse</guid>
      <dc:date>2025-08-26T09:11:31Z</dc:date>
    </item>
    <item>
      <title>Avoiding a Collection Notice? Here’s What You Should Know</title>
      <link>https://nsbi.net/debtor-blogs/avoiding-a-collection-notice-heres-what-you-should-know</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://nsbi.net/debtor-blogs/avoiding-a-collection-notice-heres-what-you-should-know" title="" class="hs-featured-image-link"&gt; &lt;img src="https://nsbi.net/hubfs/this-is-your-final-notice-cropped-shot-of-letters-2025-04-05-19-53-47-utc-1.jpg" alt="Avoiding a Collection Notice? Here’s What You Should Know" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p style="font-weight: normal;"&gt;You open your mailbox and see an envelope from a collection agency. Your heart sinks. Maybe you set it aside. Or maybe you don’t open it at all.&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://nsbi.net/debtor-blogs/avoiding-a-collection-notice-heres-what-you-should-know" title="" class="hs-featured-image-link"&gt; &lt;img src="https://nsbi.net/hubfs/this-is-your-final-notice-cropped-shot-of-letters-2025-04-05-19-53-47-utc-1.jpg" alt="Avoiding a Collection Notice? Here’s What You Should Know" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p style="font-weight: normal;"&gt;You open your mailbox and see an envelope from a collection agency. Your heart sinks. Maybe you set it aside. Or maybe you don’t open it at all.&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=393559&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fnsbi.net%2Fdebtor-blogs%2Favoiding-a-collection-notice-heres-what-you-should-know&amp;amp;bu=https%253A%252F%252Fnsbi.net%252Fdebtor-blogs&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Thu, 21 Aug 2025 14:36:00 GMT</pubDate>
      <author>dbconyers@nsbi.net (NSB Staff)</author>
      <guid>https://nsbi.net/debtor-blogs/avoiding-a-collection-notice-heres-what-you-should-know</guid>
      <dc:date>2025-08-21T14:36:00Z</dc:date>
    </item>
    <item>
      <title>What Happens When a Debt Goes to Collections?</title>
      <link>https://nsbi.net/debtor-blogs/what-happens-when-a-debt-goes-to-collections</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://nsbi.net/debtor-blogs/what-happens-when-a-debt-goes-to-collections" title="" class="hs-featured-image-link"&gt; &lt;img src="https://nsbi.net/hubfs/mental-therapy-of-sad-depressed-mature-female-with-2024-12-08-04-36-14-utc-1.jpg" alt="What Happens When a Debt Goes to Collections?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p style="font-weight: normal;"&gt;&amp;nbsp;&lt;/p&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://nsbi.net/debtor-blogs/what-happens-when-a-debt-goes-to-collections" title="" class="hs-featured-image-link"&gt; &lt;img src="https://nsbi.net/hubfs/mental-therapy-of-sad-depressed-mature-female-with-2024-12-08-04-36-14-utc-1.jpg" alt="What Happens When a Debt Goes to Collections?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt; 
&lt;p style="font-weight: normal;"&gt;&amp;nbsp;&lt;/p&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=393559&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fnsbi.net%2Fdebtor-blogs%2Fwhat-happens-when-a-debt-goes-to-collections&amp;amp;bu=https%253A%252F%252Fnsbi.net%252Fdebtor-blogs&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Mon, 18 Aug 2025 14:36:00 GMT</pubDate>
      <author>dbconyers@nsbi.net (NSB Staff)</author>
      <guid>https://nsbi.net/debtor-blogs/what-happens-when-a-debt-goes-to-collections</guid>
      <dc:date>2025-08-18T14:36:00Z</dc:date>
    </item>
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