October 31st, 2010 | Posted in Debt Collection Companies
What part of the words “just a trim” didn’t the hair-hacking stylist get? Did you not go over how that silk shirt needed to be hand dried? Wasn’t it your idea that just come out of your colleague’s mouth and is now “the most genius thing” your boss has ever heard?
Do people avoid making any sort of eye contact with you while you are just trying to be helpful? Do you get interrupted? It is possible that you may be looked at as a know-it-all, or your suggestions could seem like criticism. Eventually people might stop listening to what you have to say altogether. Next time you have advice to give, try asking, “Would you like to hear what I think?” Or “I have a different point-of-view, would you like to listen to it?”
While you’re talking, do people look at their Blackberries or make you feel like you are wasting their time? It is a possibility that you could losing peoples interest due to a discrepancy in communication styles.
If you are speaking to slowly to a faster paced person, their mind might travel to other places; if you talk too rapidly to a slower-paced person, he may feel alarmed and tune out. So next time note how slow or fast the other person is talking. Do friends drift off while you’re pouring your heart out? According to a study, women like to talk about problems not in order to mend them but to share them as a way to minimize stress.
A lot of people-mostly men-hear this type of talk as a burdensome cry for help. Tell your co-worker or friend that you just need to vent for a little bit about what is going on, and let him know that there is no need for him to say or do anything about it. That can release him from thinking that he must offer a solution.
No matter what, there is no way you can go wrong by making people feel important and showing some interest in what they have to say. In other words, you will be listened to more if you listen to others.
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February 28th, 2010 | Posted in Debt Collection Companies
Credit Card Debt and Debt Collection Agencies
If you have bad credit, you will have to deal with collection agencies sooner or later, and these companies often present the most persistent and unpleasant problem for those with bad credit. Collection agencies are basically companies that work on behalf of companies to try to recoup money that is owed.
If you owe your credit card company a payment that has not been made in some time, your credit card company will eventually ask a collection agency to speak with you. In many cases, collection agencies try to get money for their clients through phone calls. Some collection agencies are quite reasonable and will try to work with you. However, some will use threatening or harassing techniques – including verbal threats and daily phone calls – to try to get you to pay. To prevent the stress that collection agencies can cause, learn to deal with collection agencies.
You should always get the full name of whomever you speak with at a collection agency. You should try to be honest about your ability to repay and try to work out a payment schedule or payment options. If at any point you feel threatened or harassed, say so. Hang up the phone if the collection agent persists and contact the company who is trying to recoup money from you directly.
Note that the collection agency the company uses has been using is using abusive or upsetting language and ask to resolve the issue with someone at the company directly. Get the name of the collection agency and report them – and the agent you spoke with – to the Better Business Bureau. Refuse further calls from the collection agency and continue your communication with the creditor directly, noting each time the collection company contacts you with harassing or abusive calls.
Unfortunately, some collection agencies feel that intimidation yields the best results and since most collection agencies work through telephoning, they feel that they can say whatever they like (including making personal and false accusations) in order to try to recoup money for their clients. There is no paper trail and few people harassed by the agencies take these companies to court.
One further thing you could do with abusive phone calls, but you should first check with your State Attorney Department as laws vary, is to inform the caller that you will now start recording the conversation. Repeat their name, company, contact details and time of call and ask them if they consent to the call being recorded. It would be a foolish debt collector to then continue the abuse, whether the call was recorded or not.
Where the collection company has started entering your property without your permission you should tell them to leave immediately or call the police.
Some debtors feel so ashamed of their bad credit rating that they almost feel that they deserve the abuse. Both views are completely wrong. A bad credit rating does not make you deserving of abuse. Report collection agencies that offer harassment as a technique and make it clear to lenders that you will not work with a company that uses abuse as a technique of recouping money.
Some collection agencies will try to use your credit score against you, telling you that they can ruin your credit score at a glance or file a claim on your credit score. Don’t fall for this. Your credit score is instantly affected when you fail to make a payment or are reported to a collection agency, so there is nothing that the collection agency employee can do to make your credit score any worse beyond those two things mentioned.
Do not let false claims about your credit score intimidate you into accepting the abuse of a collection agency. You will still be eligible for credit in many cases.
