"Do You
Want To Hear The Same Excuse From The Same Debtor Over and Over
Again—OR—Get The Money You Were Owed Today?"
Now you can
protect yourself from bad debts, learn how to persuade the debtor to
pay you, and get tough when necessary to GET your money...
Who Is Gini Graham Scott?
Gini Scott is a nationally known
writer, consultant, speaker, and
seminar/workshop leader, specializing in
work and business relationships and
professional and personal development. She
is also the founder and director of
Changemakers Publishing.
Gini has published over 50 books, a dozen
on relationships in business, on
professional and personal development, and
on conflict resolution and creativity. She
writes a regular column dealing with these
topics and has been a guest on 100s of
radio and TV talk shows, including
Oprah, Good Morning America,
CNN, and The O'Reilly Factor.
Date:
Location: Santa Monica, CA
Dear Friend,
Wouldn't it be great to
always get paid? If everyone treated your business the same
way you treated everyone else, there wouldn't be a problem.
There would be world peace! People would eagerly pay what is
expected of them and business would go on as usual, right?
Unfortunately, not everyone has nearly as high standards as
you.
For many businesses, the policy of paying up front is a
standard practice; a lot of people gladly exchange their
money first to receive the product after. That's true in the
online and offline world. In your business, perhaps you
require credit cards, PayPal, or even checks - all up front
- before you give the product to your customer.
But some businesses - generally service-based businesses -
don't have the same privilege. Many service based
businesses, both online and offline, are usually expected to
provide their services first and be paid later.
This can lead you to (no surprise) "deadbeat" customers;
people who never seem to send you the money that's owed to
you. If your business uses this type of system (pay
afterwards), there are some strategies you'll want to make
use of to help you decrease the number of those deadbeat
customers.
For example… you can try to find out some approach to be
paid up front. This may sound too simple, but it's largely
overlooked by service-based businesses like consultants. And
yet, some service-based businesses (attorneys for example)
freely charge up front without any expectations to the
contrary.
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Here is interesting
consumer credit information the creditors and business
owners in the collection agency industry would enjoy
knowing...
Federal Reserve is reporting that the
outstanding consumer credit is $2.55 trillion. The
big question for creditors now is how much of the borrowed
money will be paid back while unemployment continues to
increase?
Facts about the U.S. credit economy and consumer credit
information:
There are over one billion credit reports issued annually;
Two-thirds of the American economy is driven by consumer
spending;
On average, every U.S. household owns a car and one-third
have a second car;
The average American has eight credit cards or loans;
There are 7000 credit card issuers in the U.S. offering more
than 27,000 types of payment options.
Now, you don't want to
waste your time just to chase non-paying
customers around, right?
When debtors lie about why they are not
paying, they are hoping that you will accept what they are
saying and drop the subject. Here are some of the most
common excuses you are apt to hear...
I never received a bill for the product or service.
I
lost the bill.
I don't have any money.
Hardship (lost my job, illness) and can't afford to pay
you right now.
We are having serious cash flow problems.
When I get paid, you'll get paid.
The boss is out of town and will not be able to sign the
check for two weeks.
We can only pay from original invoices, not faxed
copies.
Our accounts payable person quit.
We're still waiting for approval.
My spouse pays the bills.
I don't owe anything.
T
hey are not
necessarily lies, of course, but what would you do? The
biggest myth about debt collection is that "debt
collection will only upset and offend my business
customers."
Not if you do it right.
In fact, if handled appropriately,
debt collection will strengthen customer loyalty and
increase sales. And what's more: The Inside Secrets
will show you how debt collection can be an important
marketing tool. That's right, you can be demanding the money
your business is owed and laying the seeds for business
growth at the very same time!
Here are the secrets
that every business must learn...
SECRETS FOR
PROTECTING YOURSELF FROM BAD DEBTS™ Part of the WorkSmart™ series
This book is designed to help you
collect your money by establishing a good credit policy so
you can make the best decision about whether to extend
credit (in the form of money, work, or sales). Subsequent
books in this series will help you determine exactly what to
do when you have problems collecting after you have extended
credit.
Here's a sneak peak at what you can discover inside...
CHAPTER 1
:
ESTABLISHING YOUR FINANCIAL POLICY
Some
Considerations in Setting Your Policy
The Link Between
Credit and Sales
The Risks of
Extending Credit
CHAPTER 2: DETERMINING THE RIGHT POLICY FOR YOU
Hard Line or Soft Line?
General Economic
Climate
Where You Live or
Do Business
The Nature of
Your Business
Your Own
Financial Strength
The Overall
Stability of Your Clientele
Expanding Sales
Versus Reducing Credit Risks
CHAPTER 3: PROTECTING YOURSELF AHEAD OF TIME
Accepting Checks
What to Check For
Why You Should Take Extra Precautions
What Can Go Wrong and How to Protect Yourself
Why You Can't Get Justice Right Away
Extra Precautions You Can Take
Waiting for Checks to Clear
Keeping Records of the Checks You Deposit
CHAPTER 4: MAXIMIZING YOUR PERSONAL SECURITY
Contracts and
Promissory Notes
Writing Effective
Contracts
Collateral
Obtaining
Co-Signers
Conditional
Sales, Consignment, and Inventory as Security
CHAPTER 5: EXTENDING COMMERCIAL CREDIT
Simple Credit
Criteria
How Much Credit?
The Bank
Reference
Checking Credit
References
Sharing Credit
Information
Evaluating
Financials
The Balance Sheet
The Income
Statement
Making the Credit
Decision
CHAPTER 6: MANAGING CONSUMER CREDIT RISKS
Credit Cards
Setting Up a
Credit Card Account
The Major
Problems with Credit Cards
How to Offer
In-House Credit Without Any Risk
Maximizing Your
Cash-Based Transactions
The Application
Checking Credit
and Bank References
Credit Bureaus
The Balance Sheet
Setting Up Your
Own Rating System
Managing Risks
SECRETS FOR
PERSUADING THE DEBTOR TO PAY YOU NOW™ Part of the WorkSmart™ series
This book is designed to help you
collect your money by persuading the debtor to pay you by using
various types of appeals. Generally, these policies will
work – though if the debtor still hasn’t paid, the final
book in this series – 9 TOP STRATEGIES FOR GETTING PAID BY A
DEBTOR WHO IS RELUCTANT TO PAY YOU – will help you in
dealing with debtors who feel they can’t or won’t pay.
Here's a sneak peak at what you can discover inside...
CHAPTER 1: PRE-COLLECTION QUESTIONS
Setting up Your
Collection System
The Four Stages
The Time Line
What Next?
CHAPTER 2: KEEPING TRACK OF OVERDUE ACCOUNTS
The Ledger System
The Card Tickler
System
The Duplicate
Invoice System
Using a Manual or
Computer System
CHAPTER 3: THE DOS AND DON'TS OF DEBT COLLECTING
No Falsehoods, Misrepresentation, or
Deceptive Practices
No Harassment or Abuse
No Ruining the Debtor's Reputation
No Invasion of Privacy
CHAPTER 4: EFFECTIVE LETTERS, PHONE CALLS, AND MEETINGS WITH
THE DEBTOR
The Basic
Technique for Motivating Action
Writing Effective
Letters
Major Pointers
for Good Letters
Organizing Your
Letter
Using Telephone
Techniques That Work
Organizing Your
Call
Follow-Up
CHAPTER 5: EARLY CONTACTS WITH THE DEBTOR
The First
Notification
Sending Out
Reminders
Types of
Reminders
Additional
Reminders
Moving On
CHAPTER 6: APPEALS THAT MOTIVATE THE DEBTOR
Initiating the
Appeals Process
The Importance of
Follow-Up
The Basic Steps
of Motivating the Debtor
The Major Appeals
Deciding What
Appeals to Use
Examples of
Statements that Back Up Your Appeals
CHAPTER 7: EFFECTIVE USE OF THE APPEALS
Appeals to the Need for Self-Fulfillment
Appeals to the Need for Self-Esteem
Appeals to the Need for Belonging
The Desire to Gain Love and Affection
Appeals to the Need for Comfort and Ease
Appeals to the Need for Safety and Security
Combining Your Appeals
Combining Your Appeals with an Opportunity
for Discussion or Negotiation
SECRETS FOR HOW
AND WHEN TO GET TOUGH WITH A DEBTOR™ Part of the WorkSmart™ series
This book is designed to help you
collect your money in two ways.
First, it will help you establish a good credit policy so
you can make the best decision about whether to extend
credit (in the form of money, work, or sales). Second, it
will help you determine exactly what to do when you have
problems collecting after you have extended credit.
Here's a sneak peak at what you can discover inside...
CHAPTER 1: ADAPTING YOUR APPEALS TO THE DEBTOR
Suggesting
Alternatives if the Debtor Can't Pay in Full
Taking Extra
Steps to Get Your Money
CHAPTER 2: DISCUSSING THE BILL WITH THE DEBTOR
The Five Major
Reasons for Non-Payment
Finding Out About
the Debtor
CHAPTER 3: HANDLING STALLS AND OBJECTIONS
The Right Attitude
Preparing to Respond
Dealing with Stalls
CHAPTER 4: DEALING WITH OBJECTIONS
The Debtor Claims
Payment Is Impossible Because of Financial Problems
The Debtor Claims
to Have Longer Payment Arrangements than You Expected or
Agreed Upon
The Debtor Claims
that an Error in Processing Your Bill Has Delayed Payment
The Debtor Claims
that Someone Else is Responsible for Paying the Bill
The Debtor Has
Died
CHAPTER 5: HELPING THE DEBTOR TO FIND MONEY
Sources of Funds
for Making Major Payments
Sources of Funds
for Making Regular Payments
Other
Possibilities
CHAPTER 6: DEALING WITH DISPUTES AND NEGOTIATING SETTLEMENTS
Some Guidelines
for Discussing the Problem with the Debtor
Resolving
Specific Complaints and Grievances
Coming Up with
Your Own Solutions
CHAPTER 7: DEALING WITH
BAD CHECKS
Checks With Errors
Unintentionally Bounced Checks
Major Reasons for Bad Checks
Responding to Bounced Checks
Waiting for the Debtor's Response
What to Do If You Suspect Poor Intent or
Fraud
How to Get Tough
CHAPTER 8: MAKING THE FINAL DEMAND
Arriving at the Final Demand Stage
No Going Back
Types of Demands
Making a Preliminary Demand
Some Preliminary Demand Letters
The Short Collection Message or Memo
The Mailgram, or Messengered Letter
How Long to Wait
Making a Final Demand
Waiting for the Debtor's Response
CHAPTER 9: HOW AND WHEN TO GET TOUGH
When to Get Tough
Your Four Options
I’ve taken my most successful
strategies – the very same ones I’ve used with my personal
clients for years – and developed a way so you can put them
to work for you.
But who am I to advise you?
My name is Gini Graham Scott.
I have written over 50
books on diverse subjects, specializing in business and work
relationships, professional and personal development,
creativity, conflict resolution, criminal justice, and
popular culture.
Here are the most recent...
You can find them at the Amazon or Barnes of Noble if you want to.
I'm not saying this to
brag... well, okay, maybe a little...
But
the point is I know what I'm talking about. As a lawyer, sociologist,
and business consultant, I talk with people struggling to
get their money from bad debtors.
One of my clients has lost money from
time to time from companies that have run into financial
trouble, or individuals that have not paid their bills.
Unfortunately, there is no easy way to have such companies'
or individuals'
credit rating reduced, nor any method to warn people of
possible payment problems.
Credit risk management is quite
difficult for small firms like his, as there is no easy,
cost effective way to drag non-paying clients through the
courts, making it often un-economical to pursue debts unless
they are in the thousands.
It also seems almost too easy for
firms to close their doors once insolvent, and then re-open
their doors the very next day, with receivers and managers
appointed, and continue trading, often writing off millions
of dollars in debt, then purchasing the business back off
the liquidator a short while later.
More often than not, the creditors
receive little to no money at all, as any left over funds
get consumed by the liquidator's fees. But you...
Soon you will be able to
eliminate the excuse you hear so that you will never hear
it again.
Let's face it, there is nothing more boring in accounts
receivable than hearing the same excuse over and over
again from the exact same debtor. Not only do you want to
address the excuse, but figure out how you can prevent the
debtor from using it again.
Soon you will be able to think
ahead to the next excuse you might hear from the debtor in
a week or two and eliminate it while you have him/her on
the phone now.
One of your goals is to speed up your collections. It can
be very tedious to take a week or two to work out an
excuse and find out that there is yet another excuse that
will delay payment even further. Without asking the right
questions during the first phone call, you will not be
able to determine how many more excuses a debtor has on
his/her agenda.
Soon you
will be able to determine whether what the debtor has told
you is an excuse or reality.
Again, asking the right questions will help you determine if what the debtor is
telling you is an excuse or not.
Soon you will be able to create
a sense of urgency about getting your bill paid.
The debtor may not take you up on your solutions, but in
offering them, you are establishing a sense of urgency
about getting your bill paid. And if the bill is not
important to you, do not expect it to be important to
him/her either.
"Successful Credit
Collection Is Not All About Chasing Debts"
If you want to get your money, you have to adopt a straight, professional business-like
attitude. You have a contract, you delivered the goods,
money is owed, and you have a right to expect payment. Never
let it become personal. Don´t just yell or raise your voice;
and NEVER swear. That’s bad for your name.
Have you reviewed the paperwork on the debtor before making
the call? Did you know the history of the account, credit
record, the promises kept/broken?
You have to control the conversation.
Keep it focused on the
debt and on the repayment schedule. Don´t let them sidetrack
you with personal history, excuses, etc. Remember, the
object of your call is to collect money or get a
commitment, not to become buddies with the bad debtors or win
arguments.
The Inside Secrets will show your business how to bring a
customer service approach to your credit control in order to
remove the reasons your customers use to delay payment.
Chasing debts is a troublesome task which all businesses can live
without. As a result, nearly all businesses, particularly
small businesses, simply accept late payment of the money
owed to their business as inevitable. Many businesses don't
even bother to start asking for their money until it is
already overdue.
The Inside Secrets not only details the way the
business owner can bring customer service to their credit
control function in order to remove the obstacles and
excuses customers use to delay payment. It also provides
expert advice and tips on:
How to reduce your
business risks of bad debts!
How your business can
develop a debt collection policy!
How to get your money
out of deadbeat customers!
How a business
successfully changed its customers' payment habits!
How to resolve
business disputes rapidly and prosper from them!
How the best
performing businesses have used customer service to
expand!
How to manage your
sales ledger effectively!
How to collect
payment by telephone, post and fax with no problem!
How to visit
customers and negotiate settlements face-to-face!
How to arrange credit
insurance, export credit, and much more!
Stop chasing debt and start making money with
The Inside Secrets
.
"Now You Are Just 2 Minutes
Away From Having The Inside Secrets™ At Your Fingertips!"
This guide could
help you avoid all the costs and pains of debt
collecting problems that haunt you every day and night. That
said, the knowledge in these Inside Secrets™
guides are easily worth up to hundreds of dollars.
Of course, you don’t have to pay that much.
For a one-time payment of just $35 $9.95
each, you will have your own
copy of Inside
Secrets™guide
downloaded on your computer within minutes!
NOTE: Due to
overwhelming requests, I'm forced to limit this offer to no
more than 100 people. Once the limit of 100 (*Now only 22
left!*) copies reached, I will withdraw the offer from
this site for good.
But that's not all. I also
want you to have complete confidence and peace of mind in
collecting those debts. So here
is my personal guarantee...
"You Can Try My Work Smart™ series RISK-FREEFor30Days!"
I want you to give my ebook, any ebook you want, a fair try for 30 days. Read it, take action and
practice according to the guide without risk.
You don't have to rush here because you have a whole month to put the
methods up to the test according to your needs.
If for any reason at all, even
after
30 Days of trying the methods in my ebook, you don't
agree the incredible action guide has given you a solution
and removedyour problem with debtors...
... just contact me via email and I'll
cheerfully send you a full & complete refund
with no questions
asked
on your entire purchase amount.
Better yet, you can keep everything you have downloaded as my
way of saying thanks for your time.
I know there
will be a few people who try to take advantage of
my generous offer, but I believe you are a decent and honest
person. Therefore, I'm willing to take away the risk from
you.
"You have nothing to
lose and everything to gain."
But you must
secure your copy today, as this is a limited time offer. If you wait
a little longer, or if you come back tomorrow, it might be toolate for you to grab this powerful guide at such a low price.
Here's To Get Started
Right Now...
Ordering the ebook is easy...
When
you click on the blue order link below, you'll be taken to
my 100% risk-free order page. Once you decide "yes"
you will click the order button at the bottom and be taken
to a secure order page for your credit card information.
I use PayPal -
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After that, you will
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benefits to ordering your copy right here...
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YES, Gini, Give Me Your eBook Right Now!
I Want To Download Them Immediately Before
The Offer Is Withdrawn!
This book is designed to help
you collect your money by
establishing a good credit
policy so you can make the best
decision about whether to extend
credit (in the form of money,
work, or sales).
Subsequent books in this series
will help you determine exactly
what to do when you have
problems collecting after you
have extended credit.
This book is designed to help
you collect your money by
persuading the debtor to pay you
by
using various types of appeals.
Generally, these policies will
work – though if the debtor
still hasn’t paid, the final
book in this series – 9 TOP
STRATEGIES FOR GETTING PAID BY A
DEBTOR WHO IS RELUCTANT TO PAY
YOU – will help you in dealing
with debtors who feel they can’t
or won’t pay.
This book is designed to help
you collect your money in two
ways.
First, it will help you
establish a good credit policy
so you can make the best
decision about whether to extend
credit (in the form of money,
work, or sales). Second, it will
help you determine exactly what
to do when you have problems
collecting after you have
extended credit.
OR -- You Can Order All of Them
And
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*Gini Graham Scott reserve the right to end this
offer at anytime without warning
So if you are
frustrated with your debtors, and are looking for
the nuts and bolts, no fluff truth and practical detailed
instruction on how to collect your money, each of these manuals will be worth many times the
cost invested in its purchase.
You owe it to yourself to get them right now.
Warmest regards,
Gini Graham Scott President and Founder, Changemakers CollectYourMoneyNow.com™
P.S. –
Remember, I guarantee your success. If you don't succeed,
this guide costs you nothing. But, you can't succeed if you
don't get started. You may never have another opportunity so
simple and easy to collect your money from bad debtors.
And let's not forget... you don't have to pay for shipping,
you don't have to wait for the book to arrive in the mail,
and your purchase is also completely
protected by my 30-Day Money Back Guarantee. If you
don't like the result -- for ANY reason at all, in ANY day
-- simply email me your request, then I will refund you
100%. I won't even ask you why.
