01 MayLong Time No Talk
How many times have you ran into an old friend and said, “we need to keep in touch” only to not speak to this person again until you happened to run into them.With all of the social media, new phones coming out, tablets, and mobile devices popping up like popcorn all this only means one thing… we are all becoming more and more anti-social. Does that make sense? The more social media mediums we have; the easier it is for us to still not talk. If you have more than 5 social media accounts you know exactly what I am talking about. Why is this? I do not have all the answers, it is the questions I pose.
My suggestion is that it is becoming less confrontational to simply send a text or email rather than meeting face-to-face or calling someone. Believe it or not people are actually becoming bold enough to do everything they never could behind the clicks of a mouse. I use to tell my Clients all the time in the Real Estate business no one buys a house over the Internet, or do they? While in the good ole days they did not, today you can do everything over the Internet; including buy a home!
In your relationships, try to keep at least a handful of people you can speak to and connect with on a weekly basis. This builds moral, keeps us friendly, and most importantly gives us something to look forward to rather than just the all mighty click!
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We have all had a call from a collection company at one time or another. Understanding your consumer rights and protecting them is a very important when speaking with any collection company. They have a devious playbook and script which dictates every question they ask you.
Does this sound familiar? “We are calling you on a personal business matter.” “We need to verify your identity; can you please tell me what your home address is?”” We would like to offer you a 50% discount, if we can get this settled today.”
If all this sounds familiar, it’s because these are questions contained in the collection company’s script and “playbook.” Your consumer rights are at their highest level to protect you in the first 30 days that the collection company has the account.
HOW TO KNOCK THEM OFF THEIR SCRIPT! Following these three steps while speaking to a collection company will throw the call center person you are speaking with off of their script. This typically causes one of two reactions; either that collection individual will become very defensive or extremely polite.
THIS IS VERY IMPORTANT! Remember, every question a collection company asks is designed to eliminate as many of your consumer rights as possible while strengthening their ability to collect money from you to the highest extent possible.
It is import to note that you should always be polite and professional, remember most of them are just people trying to do their job. Additionally, if you have the ability to do so, record the conversation. Most cell phones have an app that you can download to do this.
When the collection company calls, don’t ignore the call. To stop the calls and enforce your consumer rights you need to answer the call. When they ask, “Is this John Doe?” Confirm your name and say, “how may I help you?” They will introduce themselves and tell you they are calling on a personal business matter. Then they will ask you to confirm your address. NEVER GIVE THEM YOUR ADDRESS
1. Force the collection company agent to verify your identity through the last four numbers of your Social Security number.
2. Dispute the validity of the debt! Once they confirm the last four of your Social Security number they will tell you what debt they are attempting to collect and how much the debt is.
3. Request a full validation package be immediately sent to the address they have ON FILE.
Example of a conversation with a debt collector:
Good afternoon, is John Doe available? This is he how may I help you? John, this is Sally Sue from ABC Collection Company and I am calling you in regards to a personal business matter. To make sure I am speaking to the right individual can you please confirm your home address? NEVER GIVE THEM YOUR ADDRESS.
“I’m sorry Sally, but I do not know you are or what you are calling in regards to. If this is a legitimate matter you can confirm my identity through the last four of my Social Security number.” (If the collector begins to insist that you give them your address, politely ask to speak to a supervisor.)
Once you have confirmed your identity do not discuss the debt or any circumstance. Just say “Please make a note to my file, that I absolutely and unquestionably dispute the validity of the debt you are calling in regards to. Additionally, I am issuing you a verbal cease and desist and requesting that you immediately send a full validation package to the address you have ON FILE. Thank you for your call, have a wonderful day. END THE CALL!
You can also ask for their fax number and fax them written instruction to stop calling you and request their validation package.
DO NOT ALLOW YOURSELF TO BE DRAWN INTO ANY FURTHER CONVERSATION WITH THE COLLECTION COMPANY!!!
Many times a collection agency will not even respond with the validation package or pursue the matter even further.
Following these three steps will help protect your consumer rights when speaking with a collection company.
Jacklyn Shapiro President – Shapiro & Company LLC Extraordinary Solutions For Today’s Credit Issues
Thank you to Jacklyn Shaprio for these outstanding ideas! We highly recommend her expertise and services to our clients! Contact us with any questions you have regarding your credit or ability to refinance or buy your new home.
J. Scott Harris Vice President – Business Development & Recruiting Highlands Residential Mortgage (NMLS 134871) 4975 Preston Park Road, Suite 640 Plano, TX 75093
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09 JulNew Beginnings
Sometimes the things we fight, kick, scream, and try so hard to prevent from happening are the very things we need most in our lives. I personally was never an advocate for education until later in life. While in my twenties I was extremely misinformed as to the truth about life. I always thought if you can get a good job making lots on money… what do you need to go to school for? Boy, was I wrong. I can answer my own questions now with several reasons.
Number One. The first reason I would suggest to consider going back to school is because there are so many updates to new things. The last thing you want to be is outdated. We update our cell phones, our laptops, even our clothing once a decade why not our education on specific topics or subjects?
Number Two. The second reason I suggest to go back to school is for personal enrichment. Sometimes you do have the great job making lots of money, but you can become settled and one dimensional. You don’t want to be stuck on windows when everyone is upgrading to vista.
Number Three. J.I.C. My third reason I suggest to go back to school is J.ust I.n C.ase you are not as irreplaceable as you thought. You always want to create your own options not wait for someone else to.
I am still on my personal development journey. I still believe if we ever stop changing we stop growing and anything that stops growing… dies.
There is no time like the present to begin again.
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17 MayLooking for Life
We spend so much of our time looking for things that will make us happy, make life easier, and just help us live life to the fullest. The question is can you ever really be happy? What exactly is the controversial emotion we try so hard to obtain? Is it realistic? Is it reachable? Is it even possible? In order to answer these questions I think we should dive into what causes us to want these things in the first place.
We look at the world to determine what we should look like, how we should dress, how we should live, what type of car we should drive, and even what food we should eat. I am all about advertising, but we should not allow others nor the media to dictate what we do, who we are, and most importantly who we as well as who our children are to become. In life, our first responsibility is to serve God, raise our families, and assist others in doing the same; everything else is just minor details.
In life, we can all agree we may have been through some difficult situations, but we can also look back on some glorious times where we felt we were doing exactly what we were made to do. When we get to the root of it; while looking for your purpose in life no matter whether you are where you want to be or you are still trying to find your place we must master contentment. This is the best way to relax in God. When you completely submit to contentment you realize you are truly not in charge of your life; there is nothing you can do to open a door God closes nor is there any way for you to close a door that He has opened for you; God will send a brocade for you in your deepest time of trouble without you ever having to lift a finger. Believe me, I know!!! Email me so we can exchange testimonies. :)
One of my favorite sayings are: ~ I do not know what tomorrow holds; but I know who holds tomorrow.~ The reason I love this is because it reminds me God is always in control and any and everything we do He allows. Sometimes He will allow certain things to happen to teach us; my can the classes be long, the homework go on for weeks, and lessons last for years; but in the end the ulitmate purpose is to draw us unto Himself. So, while you are looking for life in this world, remember who created you. If you are unsure of why you were created, what you are to be doing, or exactly what your purpose is… ask God. He will show you.
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