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Unemployed: Some Debt Strategies
2007-04-20 18:50:00
Hi, When we find ourselves unemployed, it is important not to neglect our financial responsibilities. We need to make a list of our outstanding monthly expenses starting with our basic survival needs. We need to make another list of all available funds that we have to meet expenses. Here are some suggestions:1) We need to call the mortgage company if we are having doubts as to whether or not we can make the next mortgage payment to explain the situation in detail and see what options the mortgage company offers. Some of the options available are extending the payment until the end of the mortgage, making partial payments, or making interest only payments. Keep in mind that the mortgage company wants to work out the problem and does not want to have to foreclose on the house. 2) If we rent, we need to call the property management company as soon as possible to explain the situation and work out a livable solution. For instance, if we know unemployment is going to come in two wee...
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Making a Budget After The Divorce is Final
2007-04-19 20:43:00
Hi,It's now time to assess whether or not our income meets our monthly expenses. It's relatively simple to determine this. We total our monthly bills and compare the total to our monthly income. In many cases, people find that their expenses are higher than their income. Here are a few suggestions to reduce expenses:1) Look at areas in which one can reduce costs, such as paring down a cell phone plan, cancelling cable, club memberships, subscriptions etc., 2) Consider using public transportation whenever possible.3) Consider eliminating some credit cards.4) Examine the amount of money spent on entertainment/eating out every month. Check the library and Internet for free or inexpensive entertainment.5) If expenses far exceed income, call creditors to set up repayment plans that work for both parties. Do not represent a payment plan to the creditor which cannot be kept.For the twelve months following a divorce, it is important to be financially prudent and adjust lifestyles when nec...
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Taking a Financial Inventory After the Divorce Decree
2007-04-18 20:11:00
Hi,After the divorce is final and the court has decided financial responsibilities, it's time to take a financial inventory. Since all situations are different, this is a list of possible suggestions which may be of use:1) Living situation: Should downsizing be a consideration? Depending upon the circumstances, some people find it comfortable and financial rewarding to get a room mate instead of selling their home. 2) Transportation: Can we comfortably maintain our present vehicle, or do we need to get a less expensive one?3) Outstanding credit cards: Look at all credit cards and determine balances, and monthly payments. It is a good idea to reassess whether or not all cards are needed and if it is a good idea to eliminate some of them.4) Check all incoming bills to make sure the name of the ex-spouse is dropped from the statements.5) Check beneficiaries listed on policies and make changes where deemed applicable.Tomorrow I'm going to write about a budget based upon current income...
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Managing Debts During The Divorce Process
2007-04-17 19:36:00
Hi,When a divorce is filed, it is easy for the parties involved to adopt the belief that their debts can wait until the divorce is finalized. Putting this belief into practice can severely damage the financial future of both parties. Any financial obligations that either party takes care of during the divorce, that could in turn be ordered the other's responsibility, will be adjusted accordingly by a judge during the final divorce decree. Showing financial responsibility during a divorce may influence numerous decisions made by the court. Now that we have gathered all financial information available to us on debts for which we are liable, we need to notify our creditors of the situation. Different states have different laws in respect to who is responsible for marital debts in the event of a divorce. When calling creditors, it is important to establish a paper trail that:1) The name of the person paying the debt after the divorce is filed is documented.2)Credit cards such Visa, Ma...
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Divorce and Debt
2007-04-16 19:23:00
Hi,In almost every divorce, the debt of the married couple turns into a problem. When the divorce is bitter, debt is totally ignored as each party believes that the other should be responsible for it. This is the equivalent of joint financial suicide. Even if the divorce is uncontested and emotions are in check, how efficiently the marital debt is handled during the divorce process can save both parties financial headaches in the future. The first step we need to take in order to efficiently manage debt during a divorce is to gather financial information in the marital estate and identify debts for which we are responsible. It is important to remember that even if we feel reasonably certain that the court will order some of these debts to be paid by our spouse, that we still need to deal with them until that time. This will assure our credit rating to remain intact once the divorce is final. If emotions are running amok in a particular divorce, it may be a good idea to solicit the h...
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Creating a New Budget After The Death Of A Spouse
2007-04-13 19:21:00
Hi,Each person's situation is different. These are some general suggestions which may apply to someone who is creating a new budget following the death of a spouse. After identifying all existing assets, liabilities, and expected income sources, we should have a better idea of what needs to be done and what steps need to be taken. If one owns an house and decides to move, one has three options available:1) sell the house through conventional means2) sell the house and carry the contract, which will generate a substantial monthly income3) rent the house, which will produce a monthly income (Investigate a property management firm to handle property if one is unable to manage it alone, but want to keep the house as an investment)If one's investment portfolio contains only stocks, talk to the broker about moving investments into a monthly income producing investment vehicle.Now that we know when funds will be received from life insurance, property sales, and investment portfolios etc....
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Long Term Financial Planning After The Death Of A Spouse
2007-04-12 19:47:00
Hi,Now that we've gathered all the information about assets and liabilities, we need to create a long term financial plan. As each person's situation is different, the following are various suggestions which may apply to particular scenarios:1)The first issue we need to look at is the feasibility of staying at our present address. There are a few reasons to move after a death: financial, practical, and emotional. If any or all three of these reasons apply to someone, that person does not need to rush to sell an home. It is wise to go about selling an house using regular real estates services. There is no need for a "fire sale". 2)If we rent our residence, it may be necessary to downsize to a smaller place. Once again, there is no need to rush. It is important to make sure that we look carefully at what's available and find something well suited to our new living situation.3)Name Change: In some instances, surviving spouses find themselves in a situation in which their name is n...
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Intermediate Financial Planning After The Death of a Spouse
2007-04-11 19:42:00
Hi,Now that basic survival needs have been met and the household can function, trusted friends can initiate contacts with:1) Life Insurance- The life insurance company needs to be contacted to find out what steps need to be taken to obtain the funds from the policy and the expected date of disbursement. 2)Brokerage Firms-When calling a brokerage firm, ask if there is a broker of record and request to speak to him or her. Ask that a copy of the most recent brokerage statement be sent to the surviving spouse. If the brokerage account is not a joint account, ask what steps need to be taken for the spouse to access the funds in the account. Most brokerage firms freeze accounts in the event of the death of the primary account holder. If the account is a joint account, do not make any immediate decisions to sell anything on the advice of the broker during the phone call. This is an information gathering call and it is wise to keep it as such.3)Credit cards-A trusted friend should contact...
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Experiencing Short Term Financial Problems After The Death Of A Spouse
2007-04-10 20:14:00
Hi,If there aren't enough funds on hand to take care of immediate needs after the death of a spouse, these are some steps one can take:1) Notify the mortgage lender to ask for the month's mortgage payment to be deferred. Contact a property management company to ask that the month's rent be adjusted.2) If there are insufficient funds to make full utility payments, contact the companies to ask for suitable payment arrangements.3) If your transportation needs involve a car loan, and you need all, or a portion of the car payment extended, call the financial institution holding the loan. They are usually happy to cooperate under these circumstances.If the deceased had any connections to the military or employee based membership societies (Police and Fire for example) contact related organizations (Veteran's groups etc.,) to see what help they have available for spouses of newly deceased former members.It's important to have our trusted friend authenticate any unusual or questionable...
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Immediate Financial Planning After the Death of A Spouse
2007-04-09 19:39:00
Hi,It's impossible to concentrate on mundane matters after a loss of such magnitude. Yet, daily issues won't allow themselves to be put on hold until we are in the frame of mind to be able to think about them. So, it's essential to enlist the aid of a friend to help cope with these mundane concerns in order to maintain the function of the household. First and foremost, we need to gather as much financial information as we can which includes, but is not limited, to the following assets and liabilities:1) Assets : bank accounts, brokerage firm accounts, misc. investments including royalties and other dividends not held by brokerage firms, retirement and pension accounts, life insurance proceeds, and any other assets.2) Liabilities: mortgage or rent payment and due date, utility statements and due dates, credit card balances and due dates, misc charge card balances and due dates, any other misc loans with monthly payments, IE car loans, tuition etc., plus any other debt.Sometimes a ...
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Death Of A Spouse
2007-04-06 20:10:00
Hi,Nothing can prepare one for the death of one's spouse. This is the time to use the help offered by close friends and family. One immediate need is to create a folder of essential documents. If this folder is not already in place prior to the death, it is a good idea to ask a friend to help compile and organize it. Basic documents are:-Death certificate (a few certified copies)-Marriage certificate (May be obtained from courthouse)-birth certificates of dependent children-Insurance policies-Certificate of Discharge from the military-The deceased will and list of propertyInitial contacts to be made:-Social security-Life insurance-Employee, Veterans or Misc benefits -If spouse was employed, check with Human Resources about any specific employer policies. For example, a surviving spouse might have Cobra benefits for a set period of time.On Monday I will discuss how to deal with both immediate and long term financial concerns after the death of a spouse.Have a good weekend!Until the...
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Instantaneous Economic Downturns
2007-04-05 19:00:00
Hi,There are various events that occur in our lives which are not only huge emotional hardships, but may bring financial chaos as well. Events of this stature may include death of a spouse, catastrophic illness, sudden loss of job, divorce, and unexpected family emergencies which result in unplanned long term care for a family member's children. I will discuss each of these events in future blogs. There are a few things which are required when dealing with any emergency financial downturn:1) Emergencies bring panic. It is crucial to have a trusted person who is objective and can offer emotional monitoring feedback through the acute stage of the event. Many times the best course of action is "no action" for the moment, and the person in crisis needs to hear an outside voice say that. If you are alone in a new city when crisis hits, take advantage of the closest crisis hot line.2)Unfortunately predators come out of the woodwork to take advantage of people at their most vulnerable ti...
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Some Contributing Factors To Cell Phone Problems
2007-04-04 18:17:00
Hi,There are many reasons why cell phone companies seem disorganized and inefficient. Over the last 15 to 20 years there have been a huge number of acquisitions and mergers in the industry. In many instances long before one merger was completed, another company would purchase the merged company. This resulted in incomplete merged billing systems which created headaches for consumers. To expedite combining customer service departments, cell phone carriers found the need to issue generic customer service guidelines in handling accounts. Due to the restrictions built into generic customer service guidelines, solutions to billing problems are difficult to find. Government regulation to the cell phone industry could solve some of these problems. The airline industry, which is heavily regulated, when through multiple mergers and acquisitions. That industry certainly suffered growing pains. However, because of regulation, it wasn't allowed to add arbitrary charges and third party billings...
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Faulty Cell Phones and Poor Service
2007-04-03 21:18:00
Hi,After eight or nine months have elapsed in our plan, we start to notice areas within our city limits in which we receive no service. In addition, three of the phones on our plan do not ring all the time. We call the company, and the customer service representative tells us that we may send our phones to the manufacturer for maintenance, but that it would take six to eight weeks. This isn't acceptable and we ask for our contracts to be cancelled. The customer service representative dispatches us to a supervisor specializing in cancellation requests. After a lengthy discussion with the supervisor outlining our problems, she asks what she can do to keep our business. We tell her that we want functioning phones and uninterrupted coverage in our call area. She is very accommodating and offers us five new phones with no activation charges, and a plan that includes roaming charges, which effectively negates interruption of service. We agree. When our next bill arrived, you guessed it, ...
More About: Phone , Cell Phones , Cell Phone , Phones , Cell

Adding A New Cell Phone To The Family Plan
2007-04-02 18:44:00
Hi,From time to time cell phone companies offer promotions to add new phones to your family plan which include no activation fees and a free phone. When we take advantage of one of these offers, some interesting things happen to our bill. The first item we notice on our bill is that the requested identical text messaging plan costs 50% on the new phone than the existing phones. The activation fee is included on our statement. Also, the additional phone charge of $10.00 is double billed @ 2 $10.00 charges on the statement. Finally, there are charges for text messaging on the new phone even though an unlimited text messaging plan was requested. When we explain our various billing problems to the customer service representative, the representative has no record of what was promised at the time we added the new phone. It is necessary to talk to a supervisor. The supervisor has no explanation for the double monthly charges, or the text messaging charges. She readily agrees to credit th...
More About: Family , Phone , Cell Phone , Cell , The Family

Round Two With The Cell Phone Carrier
2007-03-30 19:38:00
Hi,Thanks to our experience in navigating the electronic maze of menu options when we called about our last bill, this time we are able to punch through them and reach a customer service representative within a few minutes. When we question the customer service representative about the mysterious $9.99 charges on our phones we are told the following:1) These charges are third party billing charges. It is explained that a third party billing occurs when the carrier allows certain companies to add their bills to our cell phone account. 2) These particular charges are for ring tones. 3) We are given a text message address to text the company to tell them to cancel our service. 4) The customer service representative agrees to credit our account when we explain that we didn't order the ring tones and we don't know anything about them.5) The representative offers to block this particular company from being able to add any more charges to our cell phone account. We end our conversation i...
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Resolving A Disputed Cell Phone Bill
2007-03-29 21:02:00
Hi,The first thing we encounter when we call the cell phone company is that we have to navigate through an extensive electronic maze before reaching a customer service representative. After going through an excellent security screening process, we are cleared to discuss our account concerns with a representative. As soon as the itemized call detail is accessed, we realize numerous calls have been charged to our phones which were not made by us. The representative accommodates us and solves the problem by issuing us an immediate credit for the amount of the disputed charges. We then request that in the future, we are sent an itemized call detail with every bill. We are left with the impression that the billing mistakes are an isolated incident, and that we won't have to worry about our cell phone bill anymore. Thirty days later our second cell phone bill arrives. We are disappointed that no credit was given on the bill, and in fact, the amount of the credit shows up as past due. As...
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Experiencing Our First Cell Phone Bill
2007-03-28 19:25:00
Hi,After enjoying our new cell phones for the past thirty days, the inevitable first bill arrives in the mail. When we see the amount due on the cell phone bill we are surprised that it is considerably higher than the amount we budgeted for based upon the monthly charge in our contract. The first significant charges to our bill that we are not prepared for are the taxes, surcharges and fees. For example, in Seattle, Washington, on a plan with five phones, that has a basic monthly plan costing $144.00, additional surcharges and fees include:1) Government fees and taxesa) Seattle City sales tax services and usage $3.15b) Washington State sales tax, service and usage $8.91 c) Washington State wireless 911: $1.00d) King County wireless 911: $2.502) Surcharges and Fees:a) Seattle City utility users surcharge: $6.35b) Washington State B&O tax surcharge: 0.58c) Federal USF non-LD surcharge: $2.45d) Federal wireless number pooling and portability: 0.75e) Federal E911 charge: $2.00For a gran...
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Signing A Cell Phone Contract
2007-03-27 19:35:00
Hi,Sign ing a cell phone contract is generally a two year commitment. This is why it is imperative that we find the right one for us. After doing our due diligence, and narrowing down the companies that we think will suit us the best, we're prepared to talk to sales representatives. It is important to remember that they may be very aggressive, and it is hard to gather information from them without making a purchase. In order for salespeople to assist us in getting what we want, we need to disclose our needs:1) How many anytime minutes (usually calculated between 7:00 am - 7:00 pm Monday through Friday) we need2) Number of phones with unlimited text messaging3) Whether roaming charges are a factor in the plan4) Whether any phones will need Internet access5) Whether any phones need to be camera phonesAfter we've gathered our information, are aware of any local promotions, and have an idea of the costs of the contracts, we're in a position to select a carrier and receive our phones....
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Choosing A Cell Phone Plan
2007-03-26 22:26:00
Hi,Cell phones are popular electronic purchases among many types of customers who acquire them for different reasons. The purpose and use of the cell phone determines what type of plan is best for the user. Reasons vary from the single adult who doesn't use the phone for communication, but only as a safety net to have in case of car trouble, to family plan users who want to be connected with their teenagers. Teens, by their nature, are always in communication with each other. If they aren't calling their friends, their friends are calling them. There are a myriad of choices in plans, phones and options. Sorting through them takes time and due diligence. It's a good idea to determine the following factors before investigating cell phone plans:1) How many minutes are needed? The key minutes to identify are the ones needed between 7am-7pm Monday through Friday. (Some cell phone companies clock their minutes from 7am-9pm Monday through Friday).2) Identify where the phones will be use...
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A Good Habit: Carefully Examining Statements Each Month
2007-03-23 20:30:00
Hi,There are certain bills for which we've been conditioned to pay the amount due without scrutinizing the statement. We assume that bills like electric, heating, utility etc., couldn't possibly be wrong. This is a dangerous sentiment, as computers can make mistakes on these bills just as easily as any other statements. Faulty meters, leaking water mains, and clerical errors are just some of the causes of incorrect utility bills. People can become very frustrated when trying to contact customer service representatives to have questions about utility bills answered. First, one is generally required to navigate an electronic menu which sometimes doesn't list an option that is directly related to the customer's questions. Then a computer voice notifies the customer of a wait time of anywhere from ten to thirty minutes. This produces a common reaction in the customer of not wanting to go through the hassle of questioning the bill, which then leads to the belief that it's better to ...
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NSF Checks
2007-03-21 18:48:00
Hi,NSF checks used to be one of the biggest collection problems for both large and small businesses. This situation has dramatically changed due to the introduction of computer verification technology at point of sale. It has reduced the number of NSF checks by 80%. From a collections standpoint, it is important that each check contains as much information as possible about the customer. There various methods that can be used to collect an NSF check. 1) Notify the customer immediately by phone and or mail that his or her check has been returned by his or her bank and that the matter needs to be immediately resolved. 2) Most banks redeposit checks twice and then return them to the depositor if they are still NSF. The depositor can still present the NSF check at the debtor's bank and get the check processed. This takes care of the people that inadvertently wrote an NSF check and for extraordinary reasons did not have expected funds at the bank. Going to the debtor's bank allows th...
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Benefits of Collection Agencies for Small Businesses
2007-03-20 17:40:00
Hi,Small businesses have two distinct disadvantages over large corporations in that they usually have no credit or collection departments. This results in accounts receivable with no one available to monitor or resolve them. The business owner is generally busy with other tasks, and his or her small staff is usually strictly clerical. Many times credit is extended due to familiarity with the customer rather than by the approval of pertinent credit information. These factors contribute to small businesses having an higher than average collection problem with their accounts receivable. The business owner fears that customers will be driven away if their delinquent accounts are pursued. It is not uncommon for business owners to have tens of thousands of dollars in very delinquent accounts. Another collection problem for small businesses may still be NSF checks, as they may not have the electronic system in place for point of sale verification. Because small businesses lack the staff to...
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When A Business Should Use A Collection Agency: Part 1
2007-03-19 17:57:00
Hi,There are many different reasons why all kinds of businesses hesitate to utilize collection agencies. Over the next couple of days I am going to discuss some of the fears and misgivings companies have about whether or not to turn their accounts receivables over to collection agencies. One of the most common fears businesses have is that it will hurt their public image. Business es provide goods and services, expecting to be paid. When customers don't pay, pursuing payment is a normal course of business action. Another common fear is that collection agencies operate outside the law and without professionalism. The best way to alleviate this fear is to go to the collection agency and become comfortable with the people and surroundings. The last major objection businesses have in turning their accounts over to collection agencies is the cost which is almost always on a contingency basis, ranging from 10%-50% of the amount owed. This objection is understandable. However 50%-75% of ...
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Collections
2007-03-16 18:33:00
Hi,Yesterday I talked about the importance of the debtor to acknowledge communication from a collection agency. If a person chooses to completely ignore all written communication and repeated phone calls, in many instances the collector has no choice but to turn the account over to the attorneys for litigation. It is important to realize that even something as small as an ignored library fine may be reported to a credit bureau. This can result in significant increases in the cost of everything from insurance to mortgage costs. Remember when a collection agency makes contact, they want to resolve the matter just as quickly as the debtor. So when contacted, immediate response is in the debtor's best interest. The final collection remedy I have not yet discussed is litigation. Very seldom will a collector mention legal action if he or she has not already been authorized by the client to proceed in that manner if necessary. Once an account is transferred to attorneys, 99% of the time, ...
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The Collection Process Continued
2007-03-15 18:57:00
Hi,The perfect scenario in a collection agency would be to receive an account, turn it over to a collector, and, in one call, resolve the account with payment in full. Unfortunately, this scenario does not happen very often. I'd like to identify some of the reasons which keep accounts from being quickly resolved:1) The contact information for the debtor is obsolete. This requires the account to go through the skip tracing department to try to locate the debtor. In many instances, this is a lengthy process that may involve contacting previous next door neighbors, other creditors, past employers, and any personal referrals listed on the credit application. If these avenues fail, written communication to last known addresses may be used in the hopes of getting a forwarding address. 2) Phone calls to the debtor are ignored and initial notification letters are thrown away by the debtor. In these cases, if there is no other known way to contact the debtor, and follow up letters are ignor...
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Starting the Collection Process
2007-03-14 18:45:00
Hi,Let's discuss how an account is handled once it reaches a collection agency. After the account is entered into the system, an initial letter is generated notifying the debtor of the obligation, and the necessity to resolve the matter as soon as possible. Many collection agencies have collectors that specialize in a particular type of collection. This allows the collector to become knowledgeable about documentation supporting certain types of debt which enables the collector to communicate clearly with the debtor and develop a good working relationship with the client/creditor. After an account is received by a collector, he or she reviews the financial information provided by the creditor and any previous communications with the debtor. This allows the collector to become familiar with the debtor's capabilities and to formulate an approach suitable to that account. Caller ID has made it necessary for a collector to be as effective and efficient as possible on the initial call, ...
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Entering the World of a Collection Agency
2007-03-13 18:11:00
Hi,In yesterday's blog, I discussed some of the types of people collection agencies deal with on a daily basis. Now let's look at the mission statement of a collection agency and examine some of the common misconceptions about collection agencies. The mission statement of a collection agency is to recover as much money as possible on any account given to them by their clients. Their goal is to achieve this under any means possible allowed by the Fair Debt Collection Act. Some of the common misconceptions about collection agencies are:1) Collectors enjoy harassing people at home and at work. Fact: Every collector on the planet would like to resolve an account with one phone call. The only reason for additional phone calls on an account are due to broken payment arrangements.2) Collectors are unreasonable when it comes to accepting settlement offers on accounts. Fact: Creditors have already lost anywhere from 15%-50% on their bill, and as a result are much more unlikely to accept lo...
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The Next Step: Collection Agencies
2007-03-12 18:45:00
Hi,Over the next few blogs, I will be investigating various aspects of collection agencies. First it is necessary to get a general idea about the types of accounts collection agencies receive from their clients. About 10% of the accounts received consist of debtors who have overlooked, ignored, or forgotten to pay a small bill and have the means to pay it. 25%-30% of the people who have bills sent to collection are folks that have some financial difficulty and have chosen to ignore these particular bills due to frustration, lack of being able to arrive at a suitable payment arrangement with their creditor, and naivete about the collection process. The next 35%-40% are people that have severe financial difficulties, and in most cases, no ability to service their debts. These people need long term work- outs, and or settlements. Repeated attempts by creditors to deal with these people have resulted in numerous payment arrangements which have not been kept. The remaining 15%-20% are, i...
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The Evolution of the Collection Department: Part 2
2007-03-09 19:24:00
Hi:In the past few blogs, I have identified some of the problems which developed when computers were introduced into collections departments over the last thirty years. Some of the advantages of computerization are as follows:1) It allows credit and collections departments to compile statistical data identifying problems and enables the departments to quickly deal with them. 2) Computers allow instantaneous communication among credit, sales and collection departments, transferring documents, pictures etc., throughout the departments. 3) Computers have virtually eliminated one huge problem of the past for retailers in dealing with NSF checks through point of sale terminals. 4) Advanced computerized phone systems have allowed companies to reduce their staff by having many questions electronically answered.In a well run company the sales, credit and collection departments work in concert. Each department needs the help of the other and can utilize the experiences of each other. Unfort...
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