"At the touch of love everyone becomes a poet."Plato
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Bad Debt Personal Loans - Even A Bad Credit Has Something Good About It
Debts have many faces. At one time they can serve as an important source to finance your needs and desires while on the other side failure to repay any of the due payments on them can result in getting black listed as a defaulter and gifted a bad debt ...
Debt Consolidation - Don't Hire An Agency; Do It Yourself
The average American household now has more than $9000 in credit card debt and the savings rate in this country is lower than at any time during the Great Depression. And a quick glance at all of the debt consolidation commercials on late night television ...
Some tips to reduce debt problems
Some tips to reduce debt problems- Don't let your debt problems overpower you. Be analytical, creative and realistic to find options that can help you out. - What worked out for somebody else in resolving his economical problems may not be the best choice ...
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DEBT COLLECTING Q & A - Issue #6
By Jim Finucan
© Tiare Publications Group
385 words
Editor: The following article is offered for your free use, provided the author
Resource box is included at the end.
Q) Jim: How can I be sure that I've gotten to the heart of the problem when I suspect the debtor is being insincere, or even dishonest?
A) Use a technique called “”funneling.” It's a method of questioning that begins on a broad level and becomes more specific as you progress. Narrow in and focus on the response you're getting until your suspicions are either confirmed or you can accept the debtor's excuses as genuine. A typical conversation might go something like this:
“Is there anything preventing you from sending the check for the balance tomorrow?”
“I can't send it tomorrow; I won't be in the office.”
“That's hardly a problem; you could mail it out tonight, before you leave. Do you agree?”
“I told you, I just can't.”
“You mean, I provide the services to you when you need them and you're the kind of person who won't pay because you don't have the time? Is that right?
“No, it's not like that.”
“Then you need to tell me now what it is like. What is it, that's stopping you from taking care of this obligation and leaving yourself exposed to legal action?”
“The company just doesn't have the funds available.”
“All right, Tom,” (Note that the story is changing here. This reason is either more accurate or another stall tactic.) “What I need you to understand is that excuse doesn't concern me one way or the other. When your company needs funds to continue operating what do you do? That check needs to be in the mail by tomorrow at the latest.”
And regardless of his answer, find out which bills are being paid and which ones are not - and why yours is one of those not on the “pay” list.
Funneling down into an excuse with a more precise line of questioning uncovers the true intentions of a debtor. In fact, this technique actually helps the debtor see himself acting in a way that is not congruent with his own beliefs. That exposure will help him make more honest and forthright decisions in the future.
If something doesn't feel right during a collections call question it! Throw a whole series of sharp, penetrating questions at it until it cracks. Then both sides can identify and solve the sense of the problem.
(end)
About the Author
Jim Finucan's debt collections manual “Past Due” teaches his personal collection techniques that can help you double your debt collections virtually overnight. More
Info at: http://www.tiare.com/pastdue.htm
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CANADA FX DEBT-C$ skids to 4-month low on Europe fearsReuters9, following the broader market trend that saw investors shun riskier assets on doubts that any new measures to tackle the euro zone debt crisis would emerge from a European leaders summit later on Wednesday. "There's concerns generally about the ...and more » |
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