The government is practicing genocide.

    

The government is practicing genocide on this nation’s people, and those that try the hardest and last the longest, are forced to suffer the most.  While those involved in the profiteering that brought us all to our knees still sit on their thrones, as they are not punished or even chastised. They are the disciples of the dollar, having been only interested in short term promise with no concern for long term dollars.  They have farmed out the future of our innovations to child labor countries, so that pennies can be paid, instead of an honest days pay for an honest days work.  

They have stood by while a housing value glut was created by the sales of inflated value home loans until the lightening bolt of reality sizzled the bubble.  Who was it that bailed out the banks and auto industry?  How is it that these barons of bankruptcy make money, no matter which way the market goes, yet our property tax goes up even though our housing values go down?  If you have a small business and you want money from a bank, you had better pray, because even though your non-refundable dollars bailed them out, they are not giving you a dime.  

Hey, what about the oil spill?  It seems that everyone is pointing fingers at who is responsible but we all know the truth and again who is ultimately most damaged by the spread of oil in our invaluable oceans?  You guessed it,  all of us!  

It always seems that we as a people are getting the short end of the stick even though we didn’t do anything wrong.  We follow like sheep and we get sheared every year anyway by a government that practices politics by taking care of those who already have plenty and those of us who work for a living and are struggling just to make ends meet,  are shoved to the side of the road like snow cleared by the big political snow plow.  

Yeah,  you are right, I am just a collector.   I work hard for my clients and I work hard for a living but don’t confuse relentless with ignorance.  We are all fighting for survival.   I just enhance my client’s odds.

The Bean Counter

 

You make and market a product.  You sell the product for a profit, but then, all of a sudden you start seeing less profit!  Why?  Because your not getting paid by your customers…the distributors, vendors… whomever…they are just not paying you.  Instead of seeking professional help for this debt dilemma, you turn it over to your company “bean counter”, the finance guy in your office.  What does he do?  Nothing but advise you on how to save money.  You know, dim the lights to save on the electric bill to which you say “no” to because it will keep customers away and you won’t be able to sell your product.  Now how does your  company bean counter equate any of this with collecting your outstanding invoices?  He doesn’t!  He can’t!  He’s there to advise you with regards to cost effectiveness not debt collection effectiveness!  You would be dead wrong to think otherwise!

 Now you panic!  You try to make deals. Doesn’t work!  You send more invoices. Nope!  Make phone calls and believe every empty promise and pathetic excuse that the customer can throw at you. Now comes the really fun part!  Instead of finding and listening to the voice of reason that could be tucked away somewhere in your mind, you simply panic and it becomes too late to apply a final decision, even if it was a good one to begin with!  Finally, everything is so impossibly screwed up that even you can’t screw it up anymore much less un-screw it!

 Now you think, “well maybe I should use a collection agency but I don’t want to give a percentage of the money away…hmmm…should I risk it?”  Hey! You receiving any money now?  Uh….NO!    

We take risks everyday…crossing the street, bungee jumping, eating at the roach coach…but risk isn’t the issue here, having faith is.  Run to it, don’t run from it!

You don’t know how a debtor thinks. A very large percentage of your skill set in getting the product to market and is based on the fact that if the product sells through, you will be looking for profitable re-orders and that is where you stop thinking!  Only a very small percentage of your skills set, if any, are allocated to deal with a debtor.  Why make your liabilites larger than they have to be.   At International Recovery Services we know how the debtor thinks!  Why?  Because debtors make up 100% of our business. That is all we do!  So instead of wasting time arguing with your bean counter about the lights, call us! 

International Recovery Services

800-868-9298 

Donkey in the Well

One day a farmer’s donkey fell down into a Well… The animal cried piteously for hours as The farmer tried to figure out what to do. Finally, he decided the animal was old, and the Well needed to be covered up anyway; It just wasn’t worth it to retrieve the donkey. He invited all his neighbors to come over and Help him. They all grabbed a shovel and began To shovel dirt into the well. At first, the Donkey realized what was happening and cried Horribly. Then, to everyone’s amazement he Quieted down. A few shovel loads later, the farmer finally Looked down the well. He was astonished at what He saw. With each shovel of dirt that hit his Back, the donkey was doing something amazing. He would shake it off and take a step up. As the farmer’s neighbors continued to shovel Dirt on top of the animal, he would shake it Off and take a step up. Pretty soon, everyone was amazed as the donkey Stepped up over the edge of the well and Happily trotted off!

Life is going to shovel dirt on you, all kinds Of dirt. The trick to getting out of the well Is to shake it off and take a step up. Each of Our troubles is a stepping stone. We can get out Of the deepest wells just by not stopping. Never giving up! Shake it off and take a step up. Remember the five simple rules to be happy:

Free your heart from hatred – Forgive. Free your mind from worries – Most never happen.

Live simply and appreciate what you have.

Give more. Expect less NOW …….

Enough of that crap. The donkey later came back, And bit the farmer who had tried to bury him. The gash from the bite got infected and The farmer eventually died in agony from septic shock.

MORAL FROM TODAY’S LESSON: When you do something wrong, and try to cover your ass, it always comes back to bite you!

Now ask yourself, if you apply this same scenario to debt collection, who would be the farmer, who would be the townspeople and who would be the donkey?

Game Time!!!

Let’s play a game, I am going to ask you a few questions about your delinquent receivables and all you have to do is assign each question a percentage.  When you add up the percentage it must come out to the total of 100%. 

1.  How many of your 90 days past due have been contacted by your   in-house people? 

2.  With regards to these accounts, how many contacts were made on the average for each one? 

3.  What percent did not honor promises of payment in full or even show the courtesy of a return call? 

4.  After your people have made a number of no resolution calls, what percentage of their time is wasted by not calling fresher accounts that, by nature, will bring in more dollars? 

That was the question section.  How did you do? 

Understand that each call that did not result in dollars is actually your people teaching the debtor the benefits of negative reinforcement.  This type of debtor has learned that telling your in-house people whatever they want to hear and buys them more time.  Face it, these accounts will net you more dollars faster if they are being worked in our house instead of yours.  The odds are your people are paid on an hourly or salary program.  They might even get an incentive of some sort.  We are contingency based.  We are only paid in direct proportion to the dollars removed from your receivables.  Business is bad, the economy is bad and cash is king!  Make sure you get yours – stop stalling and making excuses like a debtor.  

Call us today @ 800-868-9298 and when you do, you will know that you picked the right place!  Check out Collection Industry News @ www.collectionindustrynews.com to see the articles in the left hand column of the front page.  You will see that International Recovery Services is listed as “Collection Agency of the Week” and we here at International Recovery Services, Inc. are grateful for the recognition of always putting our clients and the recovery of their funds as Job #1!  We will continue to fight the good fight on your behalf and look forward to serving you in the future!

The Settlement

Settlement is a funny word.  According to Webster’s this word used as a noun means: 

1 : the act or process of settling
2 : an act of bestowing or giving possession under legal sanction b : the sum, estate, or income secured to one by such a settlement 

Now, when the work SETTLEMENT first comes up, you don’t know whether you should puke or celebrate.  First, there are the “how much” questions:

 1. How much am I going to get?

 2. How much am I going to lose? 

Let us not forget the timeline, especially if litigation is already in progress.  You might ask yourself “is something better than nothing?”  You can bet your lucky stars that the debtor is offering a settlement only so he can minimize his own losses and not because he suddenly had an attack of conscience. 

Once he finds himself in litigation, it is a safe bet that the debtor will be contacting you, the creditor, directly to try to negotiate a settlement on their own.  Do not be tempted to accommodate them.  The promises they make are the same ones they made before you were forced to turn their account over to an agency.  Empty promises!  Let’s face it, if you ever see a dime, it won’t be even close to what is owed you.  Stop re-enforcing bad behavior  and call us! 

You need to know that your agency is working for you and that the attorney that they chose to litigate is working for you and not just a pay check.  You need an agency that fights for your best interests, one that can collect your monies with or without litigation.  You need someone on you side that will fight for your rights and for payment of the debt that is rightfully yours.  Ask yourself this:  “Why should the debtor walk away with your goods and / or services for only a fraction of the cost?”  You worked hard to be able to provide those goods and services to your clients, so why should the chosen few get it for almost nothing? 

Call us and let our experts explain how we can recover what is owed to you in away that will lessen the stress on you, the creditor!  Contact us @ (800) 868-9298