subject: Settlement Debt Relief. Is It Time? [print this page] They're good! They word things well, they push you, and some may even threaten you or your family. It might be debt relief time! Why are they so good at it? Well, they're trained by the most ruthless to be the most ruthless - and they're usually paid on commission so the more money they recover, the more money they get paid. No wonder they'll stoop to lies and threats - money. Your settlement debt services are waiting.
It's interesting, really. We as consumers get ourselves into financial trouble because we are constantly bombarded by advertising that makes us want things and then we receive those easy money offers in the mail in the form of plastic rectangles that fit so nicely into our wallets. Then, a couple years later, we are suddenly being bombarded with telephone calls from people who at first sound just like you and me, but then, usually, as it happens the calls turn uglier as time goes by, depending on whose hands the debt falls into. And most of these debt collectors are making ends meet but rally up the big accusations with the site of that new car stereo or iPod in mind. Some even place photos of material items on their desks for inspiration and motivation.
In my case, I noticed at first the 800 numbers coming in, which of course I didn't answer, because I had tried keeping them in the loop for a while, until they became a bit scary and I knew life was not turning any easier. So then I just let them ring. Soon, however, the calls started coming in with my local area code on them. I wouldn't recognize the numbers at first, but hey, they were local so I gave it a shot and picked one up. Finally I just shut off the phone from morning until night so I wasn't tempted to answer even when a local call came in. Soon, if I wasn't ready for it, I'd be getting a call from my boss, saying so and so called from "The Law Offices of I'm Actually a Lying Bill Collector," and he wants his money. Seriously, this HAS happened.
Believe me, I wasn't this jovial when I was in this situation. To put it simply, it sucked. It was embarrassing, depressing, angering, and it definitely was not something I wanted to publish, even though the entire neighborhood easily found out both thanks to the tow-truck out in front of my house hooking up the 4Runner as well as the neighbor's big, bad mouth.
If your financial ruin has come to this point - and go ahead and call it financial ruin for if you're this far in, your credit score is not going to recover anytime soon anyways, and well, anyways, why would you want to have a score that will get you more credit anyhow? Well, here's why: You're not done with wanting and buying stuff yet, are you?
