Can a Debt Settlement Letter Help You With Debt Negotiation?

Before you spend any time looking for a sample credit card debt settlement letter, know that they may not be necessary for you to get debt relief. You can achieve your goals, get your debts reduced and significantly reduce your stress and anxiety levels with debt negotiation. But you may not need outdated methods to achieve those goals.

Many people still believe that they can send a debt settlement letter to their creditors and get a timely response to their offer that agrees to all their demands. This is not the case anymore. The major credit card banks like Bank of America, Chase, Citibank, and Discover card receives millions of pieces of mail every month. You cannot expect them to read your letter and provide a quick response if at all to your offer.

If you do happen to receive a response, it will probably say that they do not offer debt negotiation programs or that you have to call in to their call center to discuss your account.

A letter through the mail cannot “negotiate” for you. A negotiation is something that is dynamic and can change in a few minutes. The only way to do this is over the phone. In order for do-it-yourself debt negotiation to work, you have to get comfortable with calling up your creditors and negotiating a reduction on your balances. It works the same just as if you were buying a used car.

It is actually easier to do over the phone because you cannot see the other person and they cannot see you so that makes it easier to play hardball and negotiate for a larger reduction than if you had to see them face-to-face.

Once you fall 120 to 150 days behind on your credit card payments you may start to receive debt settlement offers from your creditors which give you a starting point on the negotiations. Since they have shown they are willing to negotiate, you can call them up and see if they will accept a smaller lump-sum payment that you actually have. You may not have the amount they are asking for in the letter.

Then once you have reached an agreement on an offer that you can afford, ask your credit card bank to fax or mail you the details of the settlement with the payment amounts and due dates. This is the only “debt settlement letter” that you must have before you make your first payment on your settlement. You can negotiate without using any other debt settlement letters.

Top 5 Ways to Not Present Yourself As a Serious Student

I would like to present the Top 5 Things NOT To Present Yourself As A Serious Student. And to be crystal clear, serious students are those who are interested in graduate school (and more than likely, beat the competition to get in).

1. “Is this gonna be on the test?”
*Heavy sigh* Not only am I not reviewing information just for my health, but oftentimes lessons learned in class are bigger than students realize. Assignments that build in critical thinking questions? These are great preparation for the skills needed in graduate school. Little do students realize, grad school is heavily reliant upon critical thinking skills.

2. “I missed class yesterday. Did we discuss anything important?”
Great way to notify me of your absence from class. And regardless of how it was intended, it is a little off-putting to ask your instructor if anything important was covered in class. Aren’t all classes supposed to cover important material? Otherwise, why are we here in the first place? (And yes, I have actually had a student ask me this question.)

Honorary mention goes to: “I missed class. Can you give me the notes?” It is probably a much better idea to ask one of your classmates for notes than the actual T.A. or professor. Again, off-putting. And a sign that you are not taking this class seriously.

3. “I’m only taking this class because it’s required.”
You know…. As a student, it is your absolute right to proclaim that (1) you’re not interested in my class or (2) you’re only paying attention as little as possible to pass the test. That’s fine. However, it is also my right to decline to lend support should you ever ask for a letter of recommendation.

4. “I know I missed ___ classes, but I need ___ points to make a ___.”
My response? “Wow. That’s interesting. I hope you are not implying that I’m supposed to give away freebie points to bump you up to the next grade.” I once had a student state that he realized there was a strict attendance policy, and despite the fact that he missed nine classes, he felt like he deserved an A. You have really got to be kidding. Ditto to the student who admitted that he failed to attend any of the Thursday lectures for his Tuesday/Thursday class (and wanted to know why he was failing tests).

And last, but not least:

5. Texting, Twitter-ing, or Facebook-ing your way through class.
I love social media as much as the next person. However, there is a time and a place to keep in touch with friends — and classtime is neither. Some people think that large lecture-style classes buys anonymity, and while your T.A. or Professor may not say anything to you, trust, they are definitely taking mental notes.

Now let’s talk about how serious students tend to comport themselves in the classroom. First, they’re very aware that the T.A. may be their main point of reference for judging their ability to do well in graduate school. This is especially the case if you attend a large university where the norm is the 1000 seat lecture hall. It is an absolute great idea to take your classes seriously, communicate interest in the particular subject area (or related areas, like asking the Social Psychology professor how to get involved in Cognitive Psychology), or ask your T.A. for advice on applying to grad school. Remember, your T.A. is very likely the person who will be signing off on letters of recommendation (or even if not, the professor is likely to ask his/her opinion about your ability to do well in grad school). Do your best to impress!

The Real Estate Listing Presentation: 5 Steps For Handling Questions And Concerns

A wise man once stated, if no one asks any questions or expresses any concerns, it probably means, nobody is listening! Why, then, does it seem, so many real estate professionals, seem to be wary of (or, even, fearful), of receiving any types of challenges, questions, and/ or objections? Once an agent, begins with the attitude that any responses received, are good and positive, and combines that with the combination of good training and techniques, combined with self – confidence, this fact, should become obvious, and, even, fun! For four decades, in a variety of different industries and occupations, as well as in the personal development seminars, I have conducted, I have presented, what I refer to, as, The 5 steps for answering, and successfully overcoming, any objection. This article, will, however, focus predominantly, on the 5 Steps for Handling and Overcoming Questions and Concerns.

1. Step One: Repeat the Question: Before you rush to be defensive, or to respond, based on what you believe of feel, the potential client, is asking, repeat the question clearly, in order to be certain, you are responding to what the other person is concerned about. A simple way to do this, is simply by saying something like, In other words, you’re concerned about the commission, or So, you want to know, why you should choose me as your agent? Before continuing, however, wait until there is some positive acknowledgment, you have nailed the right concern, on the head! I called this using the ZTL (or zip the lip) approach, meaning don’t continue until you;ve gotten a response. A paramount rule of selling, is, the person who speaks next, often loses! Then, and only then, continue to Step Two.

2. Step Two: Empathy: Being empathetic is far different from saying you understand or sowing sympathy! Rather, it is how you will indicate, you truly can see things, from the client’s perspective. One recommended set of wordings, might be, I can perfectly understand how you feel. In fact, I felt that way, and so do most people I speak to, until they realized a few things. Now, seamlessly, continue to Step Three.

3. Step Three: Answer: You must be prepared, and ready to answer the question, fully, and to the satisfaction, of the other party! Do so slowly, with passion, and, clearly address and answer the concern, question and/ or objection! Be certain to make eye – contact, and attempt to elicit some positive acknowledgment, etc.

4. Step Four: Recreate the need: Hopefully, you’ve done a great job on the first three steps, but unless you perform these last two steps, well and convincingly, you’ve achieved very little! Recreating the need, can often be done, as simply as saying, In light of everything we’ve discussed, and your needs, concerns, and questions, have been addressed…

5. Step Five: Close: Are you merely a presenter, or are you a closer? There’s no deal, unless you close the deal! After completely step four, one’s closing statement, can be as simple as, Doesn’t it make sense, to take care of the paperwork, and move you closer, to your objective, of selling your home, for the best possible, available price, in the shortest period of time, with the least amount of hassle? Doesn’t it? Then remember, and adhere to the principles and discipline of ZTL!

A real estate agent is in the business of marketing and selling homes, professionally! How can you do so, if you can’t answer the questions, concerns and objections, of potential clients?