"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...

  1. I never received a bill for the product or service.
  2. I lost the bill.
  3. I don't have any money.
  4. Hardship (lost my job, illness) and can't afford to pay you right now.
  5. We are having serious cash flow problems.
  6. When I get paid, you'll get paid.
  7. The boss is out of town and will not be able to sign the check for two weeks.
  8. We can only pay from original invoices, not faxed copies.
  9. Our accounts payable person quit.
  10. We're still waiting for approval.
  11. My spouse pays the bills.
  12. I don't owe anything.

They 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 Work Smart™ 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 Work Smart™ 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 Work Smart™ 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.

And I even have my own wikipedia page at...

http://en.wikipedia.org/wiki/Gini_Graham_Scott

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-FREE For 30 Days!"

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 removed your 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 too late 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 - The world's leading online payment solution, trusted by more than 153 million members worldwide, so you don't have to worry about any security issues. If you don't have a PayPal account, don't worry. You can still order a copy by using any of your credit cards.

Your order information is completely confidential and processed within PayPal's 100% Secure SSL Server. No one can see your financial information, not even me.

After that, you will automatically be taken to my members-only web page where you can download my ebook in just a few minutes. You will have instant access from your computer 24/7.

Three benefits to ordering your copy right here...

  • You don't have to pay for shipping and handling!

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  • Your purchase is completely protected by 30-Day Money Back Guarantee!


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.

 

 

Click Here To Order For $9.95

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.

 

 

Click Here To Order For $9.95

 

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.

 

 

Click Here To Order For $9.95

OR -- You Can Order All of Them And SAVE 50% Instantly!

$29.85 > $14.95

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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.

 

 

 

 

 

 

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