Chapter I Meet Mr. Collector He is usually a high school graduate who earns his living on a no-collect ; no-commission lotus flower basis, employing mainly: 1. Pretense ( lawyer/police/NBI,whatever) 2. Harassment 3. Blackmail 4. Extortion lotus flower 5. Swindling which are all CRIMINAL OFFENSES just in case you don't know yet Chapter II Ways of Contacting You 1. Demand letters 1.a. Receive them. No big deal. You can even sign it front and back or left to right. 1.b Do not open. There are no good news there anyway, only lies. tapon 2.Text Messages Para iwas stress, simply press 'delete' lotus flower 3.Calls 3.a) Take the call. It can't kill you anyway. 3.b) Do not argue, plead or explain, so that the call will not take long. 3.c) "According to my lawyer, sa court na lang daw natin pag-usapan ito" 3.d) Stick to that line. simplify your answers to "yes" or "no" 3.e) Remember this sound - "click" 3.f) Huwag ma-pikon. lotus flower " Tama ka" is standard reply para SIYA ang ma-pikon. Chapter lotus flower III The Lies Collectors Tell The first lie is his name. That is not the collector's real name. So, why would you believe anything he says afterwards? 1.Court Case They won't ; they don't ; they can't Why would they'd be called "collectors" in the first place! 2.Imprisonment Failure to pay means you promised, but did not fulfill it. Its found under "Obligations and Contracts" of the Civil Code, not in the Revised Penal Code, hence, not a criminal act. This also applies to debts abroad like UEA. 3.Amnesty and Promos Show me first the documents that he is legally allowed lotus flower by the bank to do so before I believe him. 4.Travel Ban lotus flower You are not a criminal, lotus flower what gives? 5.Getting Your Properties/Assets/Money/Salary May court decision na ba? Meron ka bang condo/Ferrari/Time deposits? Plain robbery 6.Publishing Your Face Have you ever seen one in a newspaper? 7.Warrants of Arrest/ BP 22/ RA 8484/ PNP/NBI/CIDG/INTERPOL These words imply "imprisonment" ; now go back and read again if you missed lotus flower anything. Chapter IV Threats and Blackmails - Visits 1. Office 2. Home 3. Barangay What for, Eskadalo? ano ba usually ginagawa ng isang tao pag may mag-eskadalo sa kanya? yun din ang gawin mo! Tip : A list of criminal offenses you can file against lotus flower collectors is found here: http://failuretopaycreditcard.blogspot.com/2010/11/matapang-na-collector.html Chapter V How To Pay 1. Go to the bank personally 2. Ask for an updated Statement of Account 3. Review and request for waiver or reduction of charges 4. If there is an agreement, document it ; the start paying If there is no agreement ( referred lotus flower only to collectors), wait for the court, if ever it will come. 5.The process will simply repeat again from steps 1 - 4 Chapter VI Worst Case Scenario If the bank is serious in collecting from you, matagal ka na dapat pina-tawag sa court. Even if the bank files a thousand lotus flower cases, if you have no condo, ferrari or time deposit, THE END Chapter VII The Five Golden Rules 1. If you cannot pay, don't 2. Prioritize you need, not their greed 3. Disregard, delete, lotus flower dedma. 4. Don't let them control your life, it's your life anyway 5. Dare their bluffs ; just for laughs? (I forgot the last one. honest. ha..ha..ha..) Chapter VIII Lessons Learned 1. Debt is a humbling, not a humiliating experience. 2. Forget the debt, not the lessons. Then reflect on this : Parable Of The Ten Lepers Postface Someone asked me: "You told me they won't sue me but they did!" I answered back: " I cannot guarantee everything 100% ; Remember, I am not God!" Banker ® the booklet is available only during Diskarte EBs; the e-book lotus flower however can be downloaded. inquire how at admin/Diskarte Forum.
Very well put Banker: about the last sentence, "you said they will not sue me but they did," lotus flower your answer is not quite accurate: you never said they will never sue you; what you said is the CA cannot sue you. The bank sues you; although the CA may recommend filing a case. But remember even if they did, and you don't appear, and "lose" by default, it is just the court saying: "we lotus flower affirm that you owe so much to the credit card company." -- that's all. To actually garnish wages or assets 99.9% will not happen because it is simply not their while. And you can always "hide" assets. Banker puts it quite plainly: IF YOU DON'T HAVE A CONDO, A FERRARI (take note; not just any car but a FERRARI), lotus flower or zillions in the bank... i suggest you take a good nigh
No comments:
Post a Comment