The first rule of B$ing Your Creditors is ...
Remember the lies ... ah, the lines!
Every time you talk to someone about a bill, write down the
date, that person's name, and exactly what you said and they
agreed to. That way, the next time you have to deal with
that company, you can build from the past conversation.
"But on January 14th I spoke to Mrs. So and So and she said ...."
You sound organized, and on top of it.
Best of all, the company sounds incompetent. After all, most
of them have hundreds of collection employees, and computers
only have so much space for notes on conversations.
You have your entire concentration on one account -- yours.
BUT ...
In order to succeed, you must keep perfect, detailed records
of your facts and fairy tales.
You MUST keep track of who works where, when you talked to them
last, how much you owe, when it?s due, and what B$ you?ve told them.
This is absolutely vital.
And it's not all that hard ... if you have the book B$ YOUR
CREDITORS
... SO YOU CAN SURVIVE! and its companion workbook, the
B$ EASY BUDGET BOOK with all their fill-in-the-blanks forms.
These books teach you how to B$ Your Creditor, what B$ to tell
which
creditor, and how to remember the B$ so you can get away with it.
=======================================================

Now ... on to the info --
When you need to call a creditor ... or when they have called you
and you've already picked up the phone REMEMBER --
You must always be friendly.
Period.
These people are yelled at, harassed, and cursed at all
day long, every day. Be nice. You?ll get a lot more
cooperation from them if you treat them like you would
like to be treated if you had their job.
The key to getting people (and creditors are people ...
even if they don't seem like it sometimes) to do what
you want is to be nice to them!
=======================================================
Give the Gift of B$ ... or the Top Ten Things to ALWAYS
say to your creditors.
1. Thank you.
2. I appreciate your efforts.
3. Can you please help me?
4. I am sending your payment of ($10) on Monday.
5. You were such a pleasure to talk to.
6. I'd like to compliment (insert name) for his/her
excellent service.
7. Is there a way to lower the current interest rate?
8. Do you think it would be possible for you to
waive the fee?
9. It was great talking to you!
10. I fully intend on meeting all my obligations.
=======================================================
Besides, people are much more likely to believe B$ if you
sound sincere. The important thing is to be talking
to them. Creditors can take any sort of weird excuse as long
as you communicate. That way they have a response on file and
they won?t get in trouble with their boss (or risk getting fired!)
for being unable to reach you.
What bill collectors hate, and what will make them really hostile,
is if you hide from them. So don?t. When trouble rears its
ugly head, call them first and warn them about it.
Do not be afraid. Even though some of them will utter ultimately
useless threats -- after all, the bottom line is that you can
declare
bankruptcy and forget about them -- you?ll be able to get out of
the mess you got into, without such a drastic and humiliating step,
if you meet it head on.
So now we get to Top Ten Things you should NEVER say to your
creditors ... and an example of what to say instead!
=======================================================
B$ YOUR CREDITORS ... HOT TIP #3
Top Ten Things you should NEVER say to your creditors ...
and what to say instead!

1. NEVER SAY -- Leave me alone!
SAY -- I am unable to discuss the matter at this time,
when can I call you back?

2. NEVER SAY -- @##%$*!#! you!
SAY -- I assure you I'm working as hard as I can to meet
my obligations, I'm sure you understand.

3. NEVER SAY -- Why are you hounding me?
SAY -- I know why you're calling, and here's what I propose ....

4. NEVER SAY -- Don't be so mean/rude/obnoxious.
SAY -- I'm sorry you're having such a bad day ... but I'm sure
we can find a mutually beneficial solution.

5. NEVER SAY -- You'll get your money when I'm good and ready!
SAY -- As soon as the funds come in, I will be able to pay you.

6. NEVER SAY -- It's not fair!
SAY -- If I could ask for a little consideration ....

7. NEVER SAY -- You're wrong.
SAY -- But in my records, I show that Ms. (insert name) said
(insert what that person told you [Which you have very carefully
written down in your B$ EASY BUDGET BOOK!]) or you can say,
perhaps there was a miscommunication?

8. NEVER SAY -- I hope you rot in the underworld!
SAY ­ Thanks for your kind assistance.

9. NEVER SAY -- Go ahead -- sue me!
SAY -- I've worked out a budget which will allow me to
eventually pay you in full at $10 a month. That way all
the money goes directly to you instead of to the lawyer
you'd have to pay to sue me. Isn't that better than your
company forcing me into bankruptcy?

10. NEVER SAY -- I'll never pay you back.
SAY -- It may take me awhile, but I intend to pay back each
creditor in full.
=======================================================
Now you don't want to say those things exactly ... you
need to change the wording to suit your circumstances.
But you get the idea ... don't get mad, get even. And by
"getting even" I mean, paying them off YOUR way.
If you get mad -- no matter how frustrating they are -- you
are playing right into their hands.
THEY WANT TO PANIC YOU INTO PAYING THEM FIRST!
That's their job ... to stampede you into making a deal with them
so they can get paid -- even if you starve. As I'm sure you've
noticed by now, they don't give a hoot!
So your B$ YOUR CREDITORS ... HOT TIP #4 will be sent to you in
2 days and it'll tell you what to do you don't owe the money
and what to do if they break the law while chasing you.
Comments on this course are gratefully accepted, please email
me at: Robin@BSyourCreditors.com.
Thanks for reading this far!

Here's to your success,
Robin Krause
President/CEO
Sub Rosa Books, Inc.

P.S. Our annual workbook -- B$ EASY BUDGET BOOK is the closest
thing you'll ever find to a fill-in-the-blanks budget book.
Even I find it easy to use ... and that's saying something!

=======================================================
100% MONEY BACK GUARANT*E!
To take a closer look at our humorous, yet very useful books,
go to http://www.BSyourCreditors.com. B$ YOUR CREDITORS ...
SO YOU CAN SURVIVE! is a 304 page 8 1/2 x 11 soft cover book --
as is the annual B$ EASY BUDGET BOOK.
The books may also be ordered at http://www.Wal-Mart.com,
Amazon, B&N, and at bookstores nationwide through Ingram.
Buy them so you can start B$ing YOUR CREDITORS today!