Debt Relief Negotiation – How Professionals Are Able to Negotiate Debt Settlements

What is the actual purpose behind debt negotiation? What goals do debt negotiation companies have and how do they contribute to economic improvements. The main purpose of negotiation is to design a solution which is suitable for both debtors and creditors. At the moment, both have their respective problems. For instance, loan takers are worried about paying their bills while loan giving companies are worried about getting money from the customers. Why are loan takers not paying their bills? The main reasons include unemployment and other recession effects.

How does a professional debt negotiation company perform?

Experienced debt negotiation companies do not have any problems in getting good deals for their customers. They are aware of all the right techniques and processes which need to be used. The following steps are involved in the debt negotiation process.

· The communication between the settlement company and the credit card company is extremely important. It structures the flow of the discussion sessions. If your consultant fails to get an upper hand in this communication, it is hard to get a good deal. A common error which most of us make is hiding details.

· If you have not been paying your credit card bills for six months, you should tell this to your relief representative. Your relief representative will talk to the unsecured liability form on the basis of your financial details and then apply for settlement. In most cases, settlement companies are granting permission for debt negotiation. However, if the customer does not fulfill the requirement of the minimum liability, his application is rejected. According to regulations, the minimum amount of liability required to get a settlement is ten thousand US dollars.

How do professionals convince credit card companies for higher percentages?

Credit card companies try their best to offer the lowest percentage to their clients. This increases their earning. For instance, if the client applies for a reduction of forty percent, the credit card firm will try to bring it down to thirty or even twenty. However, you need to present the required reasons to get the percentage increased. Taking assistance from relief networks is a good option. The companies which are working with them have a very good record. Apart from that, these companies do not require a lot of money. Hence, you can get firms which are both economical and highly capable at extremely nominal prices.

A Thousand Miles from Home: A Birthday Present Worth Opening

Growing old is mandatory; growing up is optional. — Chili Davis

She sits at home lamenting the passing of time. She took the afternoon off and thought there might be a phone call or possibly something in the mail, yet the mailman brought nothing but bills and the phone had been absolutely silent. Another birthday came and was ready to pass. She mindlessly clicked through a barren wasteland of television programs landing on nothing, feeling more anxious and abandoned with every passing moment.

Then the doorbell rang.

“Good afternoon.” The man before her is a delivery man but he was the cutest guy she’d seen in awhile.

“Can I help you?” she asks.

“Yes. If you could sign here,” He points to his computer clipboard.

“Sure.” She smiles, scribbling on the touch screen.

The man turns to go, “Oh, and happy birthday.”

“What?” She begins to blush.

“It’s on the packing slip.” He smiles and walks away.

“Uh,” she pauses, “thanks.”

“You’re welcome,” he calls as he gets into his delivery van.

She’s still glowing as she answers the ringing phone, “Hello.”

“Happy birthday, dear.”

“Mom?”

“What? Did you think I’d forget?”

“Oh, I don’t know.”

“I wish I could be there, but there’s a thousand miles between you and me.”

“I’m just glad you called.”

“Say, there should be a package coming. It’s my birthday gift for you.”

“You know, the delivery guy just brought something to the door a few minutes ago.”

“That might be it. Sure hope you enjoy it.”

“I’m sure I will, Mom.”

Both were quiet for a moment.

“Mom?”

“Yes.”

“I love you.”

“I love you, too.”

“Thanks.”

“Well, I’ll leave you to open your birthday gift. Call me sometime.”

She presses the off button on the phone and examines the package. Among all the packing peanuts she discovers a unique kitchen gift. She immediately recognizes that it is something she could really use, but never would have thought to purchase it. Tears well up in her eyes as she removes the all-grown-up European Glass Teapot and cups. She had always invited her mom to her childhood tea parties. Perhaps Mom would come to another tea party a thousand miles from home.

There was a call she needed to make. … …

Bits and pieces of real life are played out everyday when young and old alike receive unique kitchen gifts as birthday presents.

There are so many choices when it comes to birthday gift giving, but most people spend a good deal of time in the kitchen and a kitchen gift provides a wonderfully remembered birthday present that is highly useful and decorative.

The tradition of gift giving is an engrained part of our cultural life. When you take the time to thoughtfully choose a birthday gift, it is most often one of the recipients most remembered birthday presents.

Special moments may be few are far between, but a kitchen gift may provide one of the best reasons to recall one of those best moments – a delivery guy, a phone call from Mom and a promised tea party.

Presentation Paranoia

“The human brain starts working the moment you are born and never stops until you stand up to speak in public.” (Sir George Jessel)

Have you had this feeling before? Rest assured you are not alone. You might be one of the many who would rate your fear of public speaking alongside or ahead of death! Your fear may translate itself to “FEAR”Forget Everything And Run!!

Having the ability to present yourself and your message to an audience, whether internal or external, is a necessary skill for a good manager and leader. By following some simple steps you can improve your skills in this area, reduce your fear and build your confidence. As you have more success in making presentations you may well find yourself actually looking forward to doing more of them. Clients, colleagues and other staff will be more responsive and supportive. You will realise the principles apply to groups of 2 – 200 and above, and whether sitting across a desk or in a conference hall.

Why do you want to improve your skills in this area? It might be to reduce the feelings of the nerves – or even panic. Maybe to reduce the risk of making yourself look a fool in front of the audience? Or you may want to be able to present yourself and your message with more confidence and conviction to win people over. Perhaps you want to be able to look forward to making presentations? Whatever your reasons, the principles we will cover here will help you.

The biggest challenge for most people when asked to make a presentation is the way their imaginations start to operate. All sorts of thoughts begin to swirl around – and how many are to do with things going wrong, fluffing the words, audience reactions etc. etc. and compared with it going successfully and being enjoyable? One way to change this initial response is to follow the basic ideas covered below. Also, accept that it is not a bad thing to have some nerves. They trigger a chemical reaction which, harnessed properly, will help to make your presentation a success.

The secret is to remember that when you see good presenters, you are only seeing the tip of the iceberg. A great deal has gone on beneath the surface to enable them to be the person you see. For those who have a real fear of presenting, they make the problem worse. They go into denial of the presentation, use this to keep putting off doing the things beneath the surface with all sorts of excuses and reasons – so that when they come to the actual presentation it does not go well. Then they can say, “Told you so! See, I’m no good at presentations!” The art of self-fulfilling prophecy continues.

To prevent the paranoia – make time to do the fundamentals! Plan and prepare. Also, have a realistic level of expectation. Too many people, when having to make a presentation, spend too much time focusing on themselves. There is a balance to be met – and the secret for a good presentation is to keep the focus on the audience, and your subject and objective. Get the first two right and the third will take care of itself!

To get your planning underway, ask yourself some simple questions:

WHAT: Consider the purpose of the presentation, to inform, influence, inspire, generate action? Be more specific, what are my objectives from this? What are the key things you want the audience to take away with them – or to do?

WHO: Put your focus on the people you will be presenting to. How many will they be? What are their objectives? What is their level of knowledge? Will they be a “willing” audience or were they sent? When you have the answers to these points, you have some idea of what level to pitch your presentation.

WHERE: Is the presentation going to be made in a meeting room, someone’s office, a large venue? What will be the layout? How flexible is it? (You can always ask to have it set-up to suit you, though a boardroom table is hard to adjust!) What equipment is available? What do you need to take?

WHEN: What time of day are you presenting? Are there other presenters before and after you? What impact will these two answers have on your approach to the presentation?

HOW: How long have you got? Remember, longer is not necessarily better! Also, although this may seem odd if you are nervous about presentations, it is harder to plan and prepare a brief, effective presentation than to organise a longer one. (Churchill, amongst others, is quoted as saying something along the lines of, “It takes me 10 minutes to prepare for a 2 hour speech – and 2 hours to prepare for a 10 minute one.”)

Put the answers to these together and you are in a position to begin the preparation of the presentation itself. Some things to consider are:

  • Pull together the broad content – what is it you want to say? Think about the headlines for each part. (You can find your own way to do this, though creativity helps with approaches such as mindmapping or just Post-it notes! These are better than just pages of notes.)
  • Gather information – get facts, opinions, research and anything else which might help.
  • Check back with your objectives – and the audience’s. Make sure there is a match.
  • Organise all of this into a sensible sequence. Have a beginning, middle and end, preferably building up the emphasis of your message.
  • Develop a story – make sure that there is a flow to the overall presentation. Look to build in hooks for key points or messages. People often recall stories and anecdotes more than dry facts.
  • Check the plan against the time you will have. (You will speak at around 100-120 words a minute when your nerves are under control. A 15 minute presentation is around 1,700 words or so, which is only 4-5 pages of A4.) Also remember, you are speaking so choose your language with this in mind, especially when making notes.
  • What do you need to support your story or message? Visual aids, props, notes, other material which might be suitable. Remember, these things are there to support you not to take over. If using Powerpoint, avoid “death by…” and use slides sparingly – and keep them clear and easy to read!

When you are comfortable that you have the overall structure, content and support material organised you will feel more comfortable. Check it flows sensibly, covers the main points, meets the objectives and you may even start to look forward to the presentation. PLEASE now work at one vital part – your opening!

The old saying, “You never get a second chance to make a good first impression” is so true. The audience are judging you on many levels as you start and this will influence how they will respond. Add to the fact that you are fighting your own nerves and probably think you have enough to worry about!! By concentrating on getting the opening right, you can achieve several aims in one.

It is important to create your own opening, it can become your “anchor” to help you manage yourself. Practice introducing yourself, stating your reason for being there, what you want to achieve and how you want the audience to be. (eg, when can they ask questions.) If you can deliver this part almost without thinking, you can keep your attention on the audience and their responses. If you are worried about what to say, you will be so internally focused you will not be able to pay attention to them. Whether you use humour, stories or challenging facts to start – or anything else – is a matter of choice. However, be careful with humour. You never know who may be offended – or how you and others will react if the joke or story falls flat.

Another important thing is to handle your nerves. First of all, realise that it is OK to have them! The trick is to learn to use them to your advantage and to not let them take you over. There are some simple things you can do and by practising them you will find that they have applications in all sorts of areas of life.

Visualisation (or “imaginisation”) – put yourself in the presentation and see it going well, you in control of the room and the audience. Experience yourself handling questions, making your points, generally enjoying it. Feel how good it will be at the end of the presentation when you realise that you have achieved your objectives. See the positive.

Breathing – this is one of the most effective ways of handling the adrenaline buzz that comes with heightened nervousness. Take a deep, slow breath – feel your diaphragm moving out as you do this. Hold the breath for several seconds – then let it go, slowly. (Press your hand just under your ribs and feel the lower lungs empty and help them on the way.) Hold the breath again before repeating the in-breath. (Some use a count of 7-4-7-4 for this.) Do this for 3 full cycles and you will notice your heart rate slowing and begin to feel the oxygen levels rise in your blood. Careful of more than this, you may start to hyperventilate!

When you move to start your presentation, take a deep breath as above, step to where you will deliver from, look around the audience as you breathe out and establish eye contact. Now you are ready to begin.

The other element to prepare is your ending. Many nervous presenters are fine with the middle, content part of their sessions. They let themselves down with the front and back – and often lose the potential impact because of this. Work out how you want to summarise and then close things off. If all else fails, use the basic rule, tell ‘em what you’re going to tell ‘em, tell ‘em and tell ‘em what you told ‘em.

“Begin at the beginning and go on until you come to the end, then stop.” Lewis Carroll

This is just a start to cover some of the basics. When you are comfortable with these, there are many more areas you can work on. There are ways you can help yourself if you need to develop your presentation and speaking skills apart from training organisations such as ours. The Professional Speakers’ Association, www.professionalspeakers.org has local “chapters around the UK. You can also find a local branch of Toastmasters International, who will offer encouragement and training – although in a different style.