What is a real difficulty?
Website design By BotEap.comWhile your debt settlement company is in negotiations with creditors, one ammunition tool used on your behalf is the personal circumstance that brought you into the program from the beginning. This is what we refer to as your difficulty.
Website design By BotEap.comAt one point, your signing agent asked you “what in your life got you to the point where you felt our services could help you?” Many consumers only view a large amount of debt or high interest rates as a worthwhile hardship in obtaining all the assistance they need and, in some cases, total debt forgiveness. The truth is that no court in this country will accept any of those reasons as a hardship due to the fact that almost everyone is in the same financial situation. With my clients, I chose to define a DIFFICULTY as sad, depressing but TRUE stories. There should be something like:
Website design By BotEap.com• Significant decrease in income
• Divorce resulting in financial hardship
• Job’s lose
• Major expenses for elderly family care
• Major expenses for children (including tuition)
• Limited fixed income with insufficient funds to cover basic expenses
• Major medical expenses
• Legal action resulting in financial hardship
• Job relocation resulting in financial hardship
• Tax problems causing financial difficulties
• Death of a family member resulting in financial hardship
• Accident resulting in increased responsibilities and inability to cover basic expenses Website design By BotEap.comThere must be something in your recent history besides high interest rates that made your financial life difficult, so as a rule we insist on sad, depressing but TRUE stories. Many times, one of our Customer Service Representatives will have an informal conversation with a consumer who reviews their account and learns that the customer has had a death in the family, a major accident that turned into major surgery, or an experience. tragic that resulted in a downward financial spiral. . Website design By BotEap.comOn one occasion, he had been working with a client for a period of twenty months when he suddenly mentioned the death of five family members during a period of three years before and during his incorporation into the debt relief program. He had been so busy handling the damage for so long that he had not considered sharing in a loss as great as his difficulties. This is not uncommon with people. Maybe it’s pride or a sense of responsibility in us. Website design By BotEap.comThe act of living itself is challenging and no one will ever get out of life alive. So don’t be afraid to share with your representative the negative things in life that brought you to this point of overwhelming credit card debt. This is something negative that we can turn into a positive with nothing to be ashamed of. There are more than a few of us who have experienced this same obstacle in our own lives. We understand and we are here to help.
• Divorce resulting in financial hardship
• Job’s lose
• Major expenses for elderly family care
• Major expenses for children (including tuition)
• Limited fixed income with insufficient funds to cover basic expenses
• Major medical expenses
• Legal action resulting in financial hardship
• Job relocation resulting in financial hardship
• Tax problems causing financial difficulties
• Death of a family member resulting in financial hardship
• Accident resulting in increased responsibilities and inability to cover basic expenses Website design By BotEap.comThere must be something in your recent history besides high interest rates that made your financial life difficult, so as a rule we insist on sad, depressing but TRUE stories. Many times, one of our Customer Service Representatives will have an informal conversation with a consumer who reviews their account and learns that the customer has had a death in the family, a major accident that turned into major surgery, or an experience. tragic that resulted in a downward financial spiral. . Website design By BotEap.comOn one occasion, he had been working with a client for a period of twenty months when he suddenly mentioned the death of five family members during a period of three years before and during his incorporation into the debt relief program. He had been so busy handling the damage for so long that he had not considered sharing in a loss as great as his difficulties. This is not uncommon with people. Maybe it’s pride or a sense of responsibility in us. Website design By BotEap.comThe act of living itself is challenging and no one will ever get out of life alive. So don’t be afraid to share with your representative the negative things in life that brought you to this point of overwhelming credit card debt. This is something negative that we can turn into a positive with nothing to be ashamed of. There are more than a few of us who have experienced this same obstacle in our own lives. We understand and we are here to help.