Showing posts with label debt collector. Show all posts
Showing posts with label debt collector. Show all posts

Pensacola Florida Debt Collection Attorney

Pensacola, home of some of the world's finest beaches, and one of the markets that Marcadis Singer PA is very active in.

Marcadis Singer, PA are debt collection attorneys in Pensacola Florida.

http://www.marcadislaw.com/index.php/primary-cities/pensacola




Clearwater Debt Collection Attorney

Marcadis Singer, PA

Florida Debt Collection Attorney

5104 South Westshore Blvd.

Tampa, Florida 33611
info @ marcadislaw.com

(888) 547-1881

(813) 288-1881

New Clients 

Ext. 247 Gil Singer

Ext. 240 Ralph Marcadis
Existing Client Client Liaison

Ext. 242

To Pay a Claim

Ext.  245

http://www.marcadislaw.comhttp://www.marcadislaw.com

6 Sure Fire Ways To Get Upside Down in Debt! - (Con't.)

6. Play the balance transfer game.


Taming the debt monster is mostly about a mindset to be free of debt, and discipline.

Don't Feed The Debt Monster
The balance transfer game is a shell game, that seems to make a lot of sense on the surface.   There's a zero interest, or low interest card you can apply for.   Get it, and move all the debt from your high interest card to the low interest card, planning to pay it off in the 6 months low interest window.

The problem here is that you now have 2 cards which you can stack up debt with.  The low initial interest rate card is rarely paid off in the 6 month window.  The card issuers know this, that's why they offered it to you.   With the low interest card now maxed by moving all the high interest debt to it, you begin to re-use the high interest card as it now has breathing room.  Once the no interest window is over.. BAM... you now have 2 high interest cards, with balances, that you are paying for.

If you are given the opportunity to get a no interest introductory card, chances are that it is because your credit has improved enough that a card issuer is prepared to take additional risk offering you more credit.  Perhaps, your present card holder is not prepared to lose your debt business.   Try calling your current card holder, and explaining that you have another card offer, and asking for a reduction in interest to keep you as a customer.

It doesn't always work, but chances are it will work more often than thinking you will pay off the low interest card in time to not be paying on 2 high interest cards instead of one!

Zen and Debt Collection

I was reading a fairly lightweight  article on the web regarding the current state of Debt Collection Practices in the US, and was struck by their statement

"Debt collection leaders need to become more aggressive when it comes to policy making, employee training, records governance and general customer relationship management." 
There is, of course, a large dividing line between a debt collection agency, an in-house debt collection department, and a debt collection attorney.  We all fall under the broad heading of "Debt Collection Leaders".


With the news lately awash of instances of unscrupulous fake collectors trying to cash in on Christmas Money, the Federal Trade Commission and Consumer Financial Protection Bureau publishing tumultuous results on customer complaints about the debt collection industry, I am given pause to the statement in MircoBilt.


  • Policy Making
  • Employee Training
  • Records Governance
  • Customer Relationship Management.


These are the hallmarks of our law practice, focussed predominantly on debt collection.  As Attorney's we are held to a much higher standard, and we are very proud of how hard we work to help our client's internal receivable management processes.  We are quite proud of the level of internal training we provide our Florida Debt Collection Attorneys.  And holding the debtor along with our client with the utmost of respect is a cornerstone of our practice.

The bottom line is that there have always been those who would borrow with no intention of paying.  We consider that theft.  We also consider that these are the minority of debt collection cases.  Most often, the hardships of the economic downturn have simply put the squeeze on many individuals and businesses.

What is equally obvious, is our economy will not recover if our businesses cannot grow because they are saddled with the debt from advancing goods and services to their customers.   As debt collection attorneys, it is our job to reconcile these issues, and get the money to the businesses that are owed, while doing our best to preserve the dignity of the debtor that has run into hard times.   The rebound of our economy, depends on practices like ours, to continue to feed the economic engine that grows our business world.

It is an honor to serve our clients through:


  • Policy Making
  • Employee Training
  • Records Governance
  • Customer Relations Management.



Marcadis Singer PA
Debt Collection Attorneys for the state of Florida.