SCAMS INFO

At some point in time you will be faced with the need to register a complaint because of a poor product or poor service, or maybe even both !

Here are some tips to make sure that your complaint is NOT ignored.

Keep Your Cool

It’s difficult to do this when you are “mad as all get out” but it’s a key step to making sure you’re complaint gets heard. Act reasonably and politely.

Make the person on the other end of your complaint WANT to help you. Losing your temper can cause the other person to become “defensive” instead of cooperative and helpful.

Identify Yourself

Don’t start out with “what” you are - “I’m a lawyer”, “I’m a doctor”, “I’m a trash collector”. Start out with “who” you are - “My name is Jim”. You want them to see you as a person, not just another problem.

Give them your name and telephone number. This allows the other person to respond more effectively and follow-up with results. Remaining anonymous doesn’t establish the one-on-one relationship you need in order to have your problem resolved.

Be Precise

Have receipts and other records available to assist you in giving an accurate account of your complaint. Give them as many details as you can - the date you made the purchase, the store where you made the purchase orencountered the problem, the name of the salesperson you were working with, etc.

Keep a record of the date, time and name of any person you speak with about your complaint. If they are unable to resolve your complaint immediately, ask when you can reasonably expect a follow-up phone call.

Thank You

End your conversation by thanking them for their help. If you have the person’s name you are speaking with, address them by name, “thank you Angela”.

When the problem is resolved to your satisfaction, you may even want to write a simple thank you note. People who work in customer service appreciate this more than you might know.

Use these steps “to your credit” the next time you have a complaint, and you’ll have greater success and results.

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Everywhere in the world today, people are becoming submerged in debt. Everywhere you look, it is possible to purchase today and pay tomorrow, consumers are steadily falling into this trap everyday, and before they know it, they are so far in debt they are unsure how to get out. This is where debt counseling comes in; however you need to be made aware of debt counseling frauds. Some are only in place to take your money.

Legitimate debt counseling companies do not claim to be not-for-profit if they are not. There have been cases where a company has claimed this and ended up swindling their client’s money. There are ways to protect yourself; you should check a debt counseling company’s reputation thoroughly before investing your time and effort into them.

Never conduct business with a company that requires any upfront fees or asks you for voluntary contributions. This is a red flag, legitimate debt counseling companies advise you on money management, budget development, debt and educational material and occasionally workshops.

Essentially, it is none of their business regarding the details of your situation or requires you to be approved. They should discuss your financial situation and help you in developing a plan to eliminate the problems.

You can also check your local government agency or better business bureau, to ensure that they are indeed legitimate and no complaints have been filed against them.

The other things that will tell you rather or not a debt counseling service is legitimate include the following things. If they promise lowered payments, leave, only interest rates can be lowered not payments. If they ask you for your account numbers prior to giving you a quote, this is not necessary at all. If they group the quotes together instead of giving you a breakdown of how each creditor will be handled, this will leave you with no idea of how long it will take to pay off each account.

There are also questions you should always ask when choosing a debt counseling service. These questions should include charges for educational material, a disclosure in writing of fees that are charged, if they are properly licensed to do business in your area, what will happen if you cannot afford their fees, what type of services do they offer and if the counselors are certified and who certified them. This is your money and your financial well-being, do not leave any stone unturned.

There is a new bankruptcy law that makes filing bankruptcy harder for everyone. To file a chapter 7 will be nearly impossible if you are currently employed. They have formed a test that you will have to pay showing that your income is less than the median income for your area. Along with these new laws, it has become required to obtain debt-counseling services when filing bankruptcy.

Choose the debt counseling company very carefully and ensure they are legitimate. You do not want to cause more harm or damage to your credit, so choose reputable companies wisely.

Ethan K. Roberts writes about a variety of subjects including Best Credit Counselors. More articles are available on credit debt counseling service and credit counseling service.

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If you want to make money on the internet you are not alone. There are thousands of people each year that are successful at pulling in a full-time salary by simply using the internet. But before you get started you must also realize that there are people who run online scams as a way to make money. These people should be avoided at all costs. Online scams are very popular today because of the number of people that want to use the internet to make money. Follow the tips below in order to avoid online scams, and get on the right path to making money online.

1. Online scams often times seem too good to be true. If you come across an opportunity that is claiming to make you thousands of dollars by the end of the week you should be very cautious.

Remember, anything that seems too good to be true probably is. If you come across an opportunity like this make sure that you
thoroughly investigate it before you waste a lot of time and money getting started.

2. Online scams will almost always ask for money up front. These scams make money by taking cash off of unsuspecting people before they even get started with the business venture. This is done because the opportunity that they are offering is no good, and they know that nobody would pay for it after receiving further details. But by charging a lot of money up front they can get paid, and then send out the money making system that has no chance of working. Before you send out any money up front, you will want to make sure that you are 100% positive that the system that you are going to be getting works. This can be done by asking for references, or trying to find people that have used the system in the past. By doing this you will be able to avoid online scams every single time.

3. Online scams often times switch the name of their product
frequently so that people do not catch onto them. This can be easily picked up on by researching the opportunity before you get started.
Simply take a look at the system that they are going to sell you, and then do some research on it. Go online and see if you can find out if they were selling the same system under a different name. Also, ask around to find out if anybody has ever used a similar system. If a company had changed the name of their product they are most likely trying to avoid the reputation of running online scams. Online scams are popular on the internet today. By following the tips above you will be able to stay safe, and find a legitimate money making opportunity.

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