Get Debt Warriors Updates from twitter
Thanks for stopping by DebtWarriors.com. And feel free to subscribe by email or follow us on twitter.
Yesterday we kicked off part one of a blog Series Called, “The 7 Keys to Successful Debt Management and Settlement“.
Today we give you the second key.
#2. Demand Respect: Anyone who expects you to shell out money to them, should spend some pride and pay you some respect! Yes, even Attorneys. During the Debt Management Process, you’ll have to ensure that as a Debtor your Rights are being respected by Attorneys, Creditors, Debt Collectors and anyone asking you for payment.
A Woman called me because she was really in a rut. She didn’t know from one day to the next if she’d have a job. She made about $24,000 per year, had very little savings, and was going through a Divorce. Her Husband had stopped paying child support because he lost his job.
The day she decided to call me, was the day when she had taken all she could. She was at work and a Collections Agent called about a Credit Card Account with another company. The Collector was a dirty jerk. The Collector made threats of legal proceedings, tried to force her into a payment plan (on the spot), and was very disrespectful in the way he communicated overall.
OPERATION ONE: STOP DEBT COLLECTOR HARASSMENT! Call 866-576-4996
She had subscribed to our YOUTUBE Channel, learned about our approach and gave us a call. The first thing I realized was the Woman sounded like she wanted to give up. She kept saying, “I don’t know what to do…I just don’t know…”. So I listened to her as we sorted out her situation.
“She had very little confidence in herself and she didn’t demand the respect she deserved”.
She knew she had to do something, because the Collector wouldn’t stop calling her at work. He would leave her messages with co-workers, He would call from restricted numbers and he always left nasty threatening messages like, “I’m going to call you everyday until you return my calls”.
I asked her, “why are you letting this man disrespect you like that?”
She replied, “I just don’t know what to do”. When I’m harassed, I fight back to make the opponent back-off. So I was vicariously angry for the Woman who called me. But this was her situation not mine.
I told her that she has to demand respect from this Debt Collector (By hanging up the phone on him). I told her, “you have Rights that protect you from being harassed by Debt Collectors”.
I informed her of the Fair Debt Collections Practices Act (FDCPA).
We cover the FDCPA, in down to earth detail in the Debt Warriors Arsenal.
Gerry Spence says become your own authority
Attorney Gerry Spence wrote a great book called ” How to Argue and Win Every Time“. I read it a few years back and in the book, Attorney Spence explains how “we” are our own Authority in matters of human interaction.
You have the Authority to demand that everyone asking you to pay them, pays you some respect.
The Business of settling your own Debt for Pennies on the dollar will require you to demand respect from Debt Collectors and yes, even Attorneys. You have to inform them that you are an informed Citizen of the United States of America.
It’s OK to be polite and even friendly (if that is your natural personality style). But never allow anyone on the phone, or to another person disrespect you while discussing business.
You may feel like a looser, you may feel beat down (like the Woman who called me), and you may feel like surrendering, to Debt.
You are free to feel however you choose. But whatever you choose, don’t loose your sense of self respect and Personal Authority.
[...] [...]