ITAMA PO NATIN Segment 320

Q:  How do I handle collector’s scary tactics?

A:   The best approach to a scary tactic from a collector is to be very calm, get as much information from the caller as you can and make sure to chat it down.  There are many types of scary things that collectors say to a client like report your delinquency to the credit reporting companies or the account will be placed to a third party collection agency.  The truth is they are already trying to collect on a debt.  Unfortunately, for the debtor who is already delinquent, anything a collector says to them is scary enough for them to get depressed over their situation.

I have to tell my readers about one client that I have who was so scared when she received a letter from a collector who sent her a letter that a lien has been entered onto her property.  She was so confused that she was calling us in the middle of the night asking what are we to do.  I told her to ignore the letter as it is not real unless her property was signed off as a collateral for the loan which she swore was not the case.  These are the tell tale signs of an FDCPA violation which of course she does not know of. It is obvious that the collector was not being truthful.

Here are some things to look out for when you receive a scary letter from a collector:

  • They cannot tell you a lie or misrepresent themselves in any way, shape or form.
  • The only way they can put a lien on your property is if they win on a lawsuit filed against you in court and if the property was never a collateral for the loan.
  • They cannot call you more than three times a day.
  • They can only call you between the hours of 8AM to 9PM, and no Sundays.
  • They cannot use violence as a way to try to collect on the debt.

So always be aware of what they can and can’t do so you do not have to stress over something that is not true.

Ating lesson, Maging matalino kaibigan, para tayo ay di maisahan.

If you need help in getting out of debt, call Debt Aid Consulting.  We help with Credit Repair while and after your program.  We do not use call centers which keeps your information safe.  We have a new program that reconstruct debts for half of what you would pay our competitors.  We also provide legal assistance that keeps collectors away.  We take Federal Credit Unions, Payday loans and high interest personal loans in our program too.  This is exclusively available for Debt Aid Consulting clients.  None of our competitors provide this program.  You are well protected.

We only provide Federal Trade Commission compliant programs.  Debt relief companies who charge non refundable upfront fees are in violation of the ban.  Go with Debt Aid Consulting!

Do not fall for marketing gimmicks saying that they have the right program for you.  Most marketing companies only have one program and will enroll you in that program whether it fits you or not.  So beware!

Ben Lou at your service!  I have over 30 years of real financial experience.  If you would like sound financial advice, call us at Debt Aid Consulting.  We do not use call centers like Financial Rescue.  No one has the right to put your information at risk.  Say no to LLC corporations in Canada!  Debt Aid Consulting is the first and only Filipino debt restructuring company incorporated in the US and Canada.

Now serving the Caribbean Islands!

Tawag na po sa 1-888-341-5234 at tutulungan po namin kayo.

Itama po natin ang mali!

 

 

 

 

 

 

 

 

 

 

Segment 321

Q:  I’m very confused.  Which is the real truth?

A:  We have clients that constantly feed us different stories when they are talking about their debts so us to minimize their role in how they were buried.  For me, the story of how one eventually created a debt hole so deep they cannot get out of it without some help is understandable.  My ears are open and hear them well the first time when they tell me how it happened.  With one client, that really changed my outlook as to why the need to feed three different stories to make me believe how much she needed help and it made me very uneasy.

I have to tell you about a client who has been in the program for about a year.  At first, her story was that she went back to the Philippines when a sheriff left an envelope with her son and had him sign his ledger that he gave it to him.  She sent us the letter and it seemed that the letter was due 3 days ago.  They all sat on the envelope until one day she decided to open it and it was a summons and it was due three days ago.  Maybe that was the reason she made up the story that she was in the Philippines at the time it was delivered.  Not knowing this was the case, I told her that she should fight it and go to court.  Then she told me, she was out of town and not in the Philippines when it was delivered.  Then after a week, she told me she was at work and her husband was the one who signed and received it.  By this time, I was bewildered and confused.  I just told her to go to court and fight it.

It made me stop and think why does someone do this?  It is unfortunate but true.

Ating lesson, Kung nagpapatulong po kayo, mabsabi naman ng totoo.

If you need help in getting out of debt, call Debt Aid Consulting.  We help with Credit Repair while and after your program.  We do not use call centers which keeps your information safe.  We have a new program that reconstruct debts for half of what you would pay our competitors.  We also provide legal assistance that keeps collectors away.  We take Federal Credit Unions, Payday loans and high interest personal loans in our program too.  This is exclusively available for Debt Aid Consulting clients.  None of our competitors provide this program.  You are well protected.

We only provide Federal Trade Commission compliant programs.  Debt relief companies who charge non refundable upfront fees are in violation of the ban.  Go with Debt Aid Consulting!

Do not fall for marketing gimmicks saying that they have the right program for you.  Most marketing companies only have one program and will enroll you in that program whether it fits you or not.  So beware!

Ben Lou at your service!  I have over 30 years of real financial experience.  If you would like sound financial advice, call us at Debt Aid Consulting.  We do not use call centers like Financial Rescue.  No one has the right to put your information at risk.  Say no to LLC corporations in Canada!  Debt Aid Consulting is the first and only Filipino debt restructuring company incorporated in the US and Canada.

Now serving the Caribbean Islands!

Tawag na po sa 1-888-341-5234 at tutulungan po namin kayo.

Itama po natin ang mali!