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A few years ago I figured my family would be better off if I was killed in a car accident as my life insurance would pay off all our bills and my wife would be able to pay off the house.
Looking back on this I realize just how desperate things seemed. I was up to my eyeballs in debt and could not make all of my monthly commitments, then, the phone started to ring and the bills turned different colors – it was the “Collection Department”. Well, I thought that was bad; after a few months of them calling, it got worse. My creditors had sold my debt to a Collection Company who had me on speed dial.
I was a guy in sales who had good and bad months, only at the time, I was in a bit of a dry spell and the collection calls did not make my life any easier. They would call me at home, at work and on my mobile phone.
I began to think that my only option was to claim bankruptcy, or as I said before, get killed in a car accident or something, so the insurance paid off.
THERE IS A STRATEGY TO GET OUT OF DEBT!
A friend of my suggested something simple and also helped me understand a bit of how the collection companies work:
Collection Companies are in the business to make money, they either make money off of interest, are paid a percentage of the collection, or a combination of the two. They are hired by the company that you owe money to, because the Collection Companies methods are very harsh and typically get results. The Collection Companies will threaten your credit bureau (big deal) they will mentally try to beat you down, they will try anything that they can to get money out of you. Here is the thing, many people have just decided that they do not want to pay and are playing just as many games with the Collection Companies as they are playing with those that owe money. If this is you and you are just playing games, leave this page now.
If you go bankrupt, you lose AND they lose; the collection company makes no money and the company that you owe money to has to write off your debt as a business loss.
Here is the solution – Develop a Win-Win:
Figure out what you can afford to pay per month, for three months in a row, without having to settle with eating the Kraft Dinner box before your next pay check…$10, $25, $50, $100, then figure out what the number could be the following three months. Try to make the number twice as much for the second period (example: Three months worth of post-dated cheques for $25, followed by three months of post-dated cheques for $50)
Then, YOU call the Collection Company (not when they call you to beat on you for money) and TELL THEM what you are going to pay them; they won’t like it, but THEY HAVE TO ACCEPT IT! If you are showing a “reasonable effort” to pay back your debt, they have to leave you alone and accept the money. Six months is more than enough time to get a better job, start a business, or whatever and will likely be enough time to get generally back on your feet.
Now, if you are not able to completely stand the monthly bills after six months, then, call them up an tell them what you are going to do next. By the way…this works with the banks and car companies too, but probably three months at the max.
The point is, as long as you demonstrate to them that you will be regular in your payments and that the payment amount will go up over time, they will leave you alone. If they decide to strike your credit, this is not nearly the hit you will get on your credit report if you claim bankruptcy. In fact, showing future creditors that you worked your way out of debt instead of going bankrupt will earn you bonus points.
You can do it, I know you can!
To Your Success!
©Greg Nicholls – Nicholls Consulting – All rights reserved
Find out how Greg Nicholls has achieved Financial Success by subscribing to the “Deserve Money Newsletter” for free. Visit http://www.DeserveMoney.com right now for all the details.
Greg is also known for teaching people a simple system on how to build a successful business while working from home; for more information about the business that brought home a 60-70 hour per week executive, who now makes more money on 1/3 the hours; contact Greg by email at info@DeserveMoney.com, or call his toll free number right now from anywhere in North America 24/7 at 1-800-388-4563, or from outside North America to Canada at +778-786-2287 to setup your appointment.
Greg Nicholls, a 36 year old Husband, Father & Entrepreneur will help you understand why you Deserve Money in your life and how to get it! To subscribe to his free weekly newsletter, visit http://www.deservemoney.com and begin to benefit from his inspiring insights today.
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Chrome Brass Finish 3 Pcs Waterfall Bathtub Basin Sink Tap Bathroom Mixer Faucet Set Ys1947 $75.00 1.Brand new in box ready to ship. 2.Durable Solid Brass Construction. 3.Polished Chrome finish. 4.Drip Free Ceramic disc cartridge for smooth and long lasting operation. 5.Easy to clean. 6.Can be cleaned with mild soap to ensure the non-tarnish life shine. 7.Complete with hot & cold water hoses & accessories 8.Comes with 24 months manufacture warranty… |
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Chrome Brass Finish 5 Pcs Waterfall Bathtub Basin Sink Tap Bathroom Mixer Hand-held Shower Faucet Set Ys1953 $95.00 1.Brand new in box ready to ship. 2.Durable Solid Brass Construction. 3.Polished Chrome finish. 4.Drip Free Ceramic disc cartridge for smooth and long lasting operation. 5.Easy to clean. 6.Can be cleaned with mild soap to ensure the non-tarnish life shine. 7.Complete with hot & cold water hoses & accessories 8.Comes with 24 months manufacture warranty… |
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Royal & Langnickel Painting by Numbers Small Canvas Painting Set, Mountain Water $4.42 Painting by number artist canvas series allows you to take your painting to the next level. Simply follow the outline that has been printed on a real artist canvas to create your very own masterpiece. Each includes everything an individual needs to complete a painting…. |
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10145 Seven Sisters Waterfall 1000pcs … |
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ZTE Score M X500 X-500M MetroPCS / Metro-PCS White with Black Pink Silver Rose Floral Flowers Pattern Design Rubber Feel Snap-On Hard Protective Cover Case Cell Phone (Free by ellie e. Wristband) $9.50 Brand new high quality protective faceplate phone cover to protect your phone from scratches, dust or anything else that comes into contact. While allowing easy access to keypads, side button, camera, and port…. |
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Masscool MP-1372RS 1080P HDMI 2.5 /3.5 SATA HDD/USB HD Media Player w/ Dolby/DTS/RMVB/MKV/H.264 w/Hitachi DeskStar 7K1000.C 1TB 0F10383 1TB 32MB Cache 7200RPM SATA2 Hard Drive and MASSCOOL CB-HH006 High Speed HDMI to HDMI Cable 6 Feet Combo Bundle Deal Features: Type: Hard drive, internal Form Factor: 3.5″ x 1/3H Dimensions (WxDxH): 4 in x 5.8 in x 1 in Weight: 1.5 lbs Capacity: 1 TB Interface Type: Serial ATA-300 Data Transfer Rate: 300 MBps Spindle Speed: 7200 rpm Buffer Size: 32 MB Environmental Standards: EPA Energy Star Specification: Model: CB-HH006 |
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Hera Aquabolic Simple Set (6 pcs) $34.99 Hera Aquabolic Moisturizing Water for Normal & Dry Skin 15ml Hera Aquabolic Moisturizing Emulsion for Normal & Dry Skin 15ml Hera Aquabolic Waterfall Serum 5ml Hera Aquabolic Waterfall Cream 5ml Hera Aquabolic Preperfection Serum 5ml Hera Aquabolic Mineral Sleeping Mask 15ml All products are Dermatologist Tested!… |
This entry was posted on Saturday, November 1st, 2008 at 12:46 am and is filed under Uncategorized. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.