Credit Hammer Phone Companion
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Credit Hammer Phone Companion

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Creditors call because they want money. If you don’t have the money to give, then you must deal with them. As you know from the Protocol, there are several types of debt. Third‐party debt is the ...

Creditors call because they want money. If you don’t have the money to give, then you must deal with them. As you know from the Protocol, there are several types of debt. Third‐party debt is the easiest to deal with. Consult www.FreedomFromCreditors.com for a complete review of the types of debt.

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Credit Hammer Phone Companion Credit Hammer Phone Companion Document Transcript

  • HOW TO USE THIS MANUAL The first step to debt freedom is organization and self‐discipline. Organizationthekey to the success of this have To facilitate is use of this program, we program. the Debt organized Elimination System into topical manuals. These manuals the manuals include worksheets that Many of are intended to be printed, 3‐hole punched, and placed in a 2” binder for convenience and willof reading.you in stopping ease assist your creditors, eliminating your debt, and increasing your credit score. It is crucial that you print all copies of the worksheets, place them in your binders, and use them! Having these manuals and their corresponding worksheets in binders will allow you to take them with you, or place them near the phone, or work on them in bed or at the dinner table. Having this information accessible when a creditor calls or when you have spare time to work on the program will be crucial to your success. We have provided color inserts to place in the clear pockets on the front and side of the binders. DO NOT PROCRASTINATE! PRINT AND ORGANIZE YOUR
  • WARNING! All Legal Credit Cures materials, including the online credit campus, are for the personal use of the original buyer only. All our materials are the exclusive property of Legal Credit Cures and are protected by copyright and other intellectual property laws. You may not transmit, publish, participate in the transfer or sale of, reproduce, create derivative works from, distribute, perform, display, or in any way exploit any of the content of our materials, in whole or in part. What does this mean to you? This means that if you copy or forward any of this information, including sharing your login and password with your friends, coworkers, or relatives without purchasing an additional copy for them, then you are stealing. If you are unwilling to respect these simple laws, this may be one of the reasons that you are in financial trouble in the first place. When we catch you… Legal Credit Cures uses multiple monitoring tools to detect fraud and copyright violations. We also track IP addresses. WE KNOW IF YOU ARE STEALING FROM US! If you are caught sharing your login, your account will be immediately suspended indefinitely. Legal Credit Cures will pursue all legal remedies against thieves at our own discretion.
  • The Credit Hammer Phone Companion The Ten Rules for Handling Phone Calls 1 . 2 Be Consistent ‐ Don’t change your positions everyphonethey with a debt Be Concise ‐ A time call call. . collector should be no more than 3 minutes long.‐ There is no reason to get 3 Be Polite . angry, frustrated or frightened; it is just a phone call. ‐ You do not have to talk to 4 Hang Up . anyone who is rude or mea n. 5. Call Back When You Should ‐ If you do not, they will be calling yo u. Get the Name ‐ Be sure you take notes, 6 . including the name of the collector . 1 C o p yr
  • 7 Get the Date and Time ‐ Be sure your . notes include the date and time of every call. the Call ‐ If permissible in 8 Record . your state,You willthe conversation. record thank me for this one. 9 Keep Your Answering Machine . Messages ‐ These are always good evidence. 1 USE THIS BOOK ‐ Your most 0. valuable tool. If possible, always record the phone calls. If you are calling from record the call party state, you can a 1‐ without the other party’s permission. If you are calling from a 2‐party state, you party by saying, “I am recording this the other must inform phonethat statement and without pause make call.” Just quickly continue thefor their consent, just move on. Do not wait conversation. If they object, turn thegood notes. I recorder off and keep recommendat phone recording tools found the www.PhoneStamp.com. 2 C o p yr
  • The Credit Hammer Phone Companion Table of Contents 1 . 2 We want a payment! We are going to . 5 . 6 your wages! to put a lien We are going on your going to have a Sheriff We are house! . 3 . 4 . 7 . 8 . 9 . 1 sue are going to call your We you! work & going to garnish We are family! serve you papers! You are going to jail! You committed You are a bad fraud! person! you mean you will What do 0. hire an attorney? afford to pay your bills! 3 C o p yr You can’t even
  • Creditors call because they want money. If you don’t have the money with them. to give, then you must deal As you know from the Protocol, there are several types of debt. Third‐party debt is the easiest to deal with. Consult www.LegalCreditCures.com for adebt. The complete review of the types of type of your debt will makea slight difference in how you phone respond to calls, but it a will not make difference in keeping records of the phone call s. The purpose of The Credit Hammer Phone Companion is to preservecases are won and evidence. Consumer law lost based on evidence.win. If you don’t have you have evidence you If evidence, you lose. The more debt you will better the evidence, the eliminate. will preserve your evidence and book, you If you use this your chances of eliminating debt increase. . . . A lot! 4 C o p yr
  • 1 We want a . payment!can’t make a payment now. I Respond – “I * will pay you as soon as I a date, do it. If can.” If you can give them you are not a refusal pay letter, and them, send going to to pay tell them not to will call you again. Be sure to anymore. They call you be consistent and make a record of the calls in this book. 2 We are going to . sue you! * I guess you will have to Respond – “Then sue me. But you are You should just be probably lying to me. professional and stop lying.” Make a record of the conversation in this book. 3 We are going to call your . work – “There is no reason to call them. Respond & family! * If you do, I will sue calling them and I will You should not be you. not tolerate that kind of 5 C o p yr
  • abuse. Why can’t you just be professional and quitrecordto me?” Make a lying of the conversation in this book. 4 We are going to garnish . your wages! do not have a judgment Respond – “You * against me, so you cannot act like a garnish me. Why don’t you professional a record of the conversation in me?” Make and quit lying to this book. It is probably a violation of the FDCPA. 5 We are going to put a lien on . your house! * that you cannot put a lien Respond – “I know on my house and I you know that you are sue me. You until both not going to dowith this in a professional don’t you deal that. Why manner and a record of this threat me?” Make quit lying to because it is a lie. 6 C o p yr
  • 6 We are going to have a Sheriff . serve– “I don’t believe you. You are a liar. Respond you papers!* I amsaid, and I am going to use it against you writing down what you. abuse and lies. Why don’t you act like a your I do not have to take professional, instead ofof the thug?” Make a record a conversation in this book. 7 You are going . to jail! * Respond – “We do not have debtors’ prisons, you idiot. I am writing I am going to use it down what you said, and against you when I to take your abuse and lies. you. I do not have sue Why don’t you instead of a thug?” Make a a professional, act like record of the conversation. 8 You committed . fraud! * have not committed fraud. I am Respond ‐ “I writing down what youuse it against you said, and I am going to whentosue you. I do not and lies.” Make a have I take your abuse record of the conversation in this book. 7 C o p yr
  • 9 You’re a bad . person! * are a bully and a bad debt Respond – “You collector. I am writing it will help me when down what you said and I sue you. I don’t have to take your abuse because I have Legal Credit Cures.” Make a record of the conversation. 1 What do you mean you will hire an 0. attorney? You can’t even afford to pay your bills? * can get a free attorney Respond – “I through Legal put up Cures. I nonsense don’t have to Credit with your anymore. Your violationsget the relief I Federal Law will help me of need.” Make a record of the conversa tion. * If you have sent the Refuse to Pay letter to a Collection can’t call me!” and hang up. say: “You Agency then Make a note ofThis is conversation. the a violation. 8 C o p yr
  • The following pages are designed to help you keep records of the phone calls and you have with contacts other creditors.during a you take Any notes conversation with a verify collector are admissible in court to debt your side of thewill make the difference times this story. Many between winning and losing. As I stated earlier, it is always good to record conversations onbut you need If you break tape or digitally, audio to do it legally. recording conversations, the evidence will laws while not be admissible and you will have the not likely leverage you nee d. 9 C o p yr
  • If you need help with any of these items, simply login to the website, LegalCreditCures.com and check your resources in the Online Credit laws and Camp You can check your state’s us. review the protocol. If you need more copies ofyour book for this record keeping, you can print more. This is one of your benefits for being a Cures Legal Credit member. Keep this book by your phone so you have quick accessyour cell phone and extras to keep by to it. keep one at work. 1 0 Co pyr Pri nt
  • Creditor: Collection Agency: Amount of Alleged Debt: Date of First Contact: Date of Dispute Letter: Date of Refuse to Pay Letter: Phone Calls: Date: Date: Date: Date: Date:
  • Creditor: Collection Agency: Amount of Alleged Debt: Date of First Contact: Date of Dispute Letter: Date of Refuse to Pay Letter: Phone Calls: Date: Date: Date: Date: Date:
  • Creditor: Collection Agency: Amount of Alleged Debt: Date of First Contact: Date of Dispute Letter: Date of Refuse to Pay Letter: Phone Calls: Date: Date: Date: Date: Date:
  • Creditor: Collection Agency: Amount of Alleged Debt: Date of First Contact: Date of Dispute Letter: Date of Refuse to Pay Letter: Phone Calls: Date: Date: Date: Date: Date:
  • Creditor: Collection Agency: Amount of Alleged Debt: Date of First Contact: Date of Dispute Letter: Date of Refuse to Pay Letter: Phone Calls: Date: Date: Date: Date: Date: