Much water has passed under the bridge and on the issue of managing debt collection, the collector is the protagonist, and although the issue of power is analyzed in another article, here we are going to study the "not being able", the "brakes" and ultimately the fears that debt collectors have or experience a few minutes or seconds before dialing a telephone number or ringing a doorbell at a debtor's house.
And our protagonist, the collector, feels various sensations that he is self-managing or at least treats. Fortunately for some, these brakes are few, or rather none. Others hide a bit but have several and there is also the one that directly says "they chose me to collect but I am not good for this."
Poor, he already makes contact with the debtor, losing 2 to 0 against himself.
Some fears are soft, others are heavy to digest.
Here is a list that does not want to reflect a ranking of importance far from it but I assure you that they exist (and they should not exist).
We start with the pesaditos:
Fear of what I find:
- To see misery, in a workshop a collector told me that in a neighborhood where he was going to collect, in one of the boxes they were watching a dead man dressed in his clothes, without a drawer, on the table in the living room - it was actually a studio apartment -. He had to charge a neighbor that the only difference with that one was that he was still breathing.
Hard, very hard.
- That the debtor does not pay because he is in charge of young people or children
with major illnesses. It is complicated, you have to see from what source of
income you are getting money to pay expenses, perhaps you can get something else to pay us, or wait a little for expenses to be reduced.
- To be physically assaulted, in another workshop they told me that once the debtor from the corner fired shots in the air when he saw me. Pathetic. Complicated.
Luckily it is not the usual. If the debtor does not take advantage of the opportunity that I give him by arriving at his home to agree, God help him…..the actions continue.
- To be insulted. Many times the debtor is frustrated because he cannot
generate enough income to manage your life and discharge into the
collector, you have to understand. Other times the debtor tries to intimidate us so that we loosen up and others so that we argue, take offense and cut off communication. Do not despair. Tough on the problem and soft on people, don't get distracted from the goal.
- For the debtor to live in dangerous or unsafe areas. I will take it into account in my clothing, I will go by taxi and not in my car, I will have the itinerary adjusted and studied so as not to hesitate along the way. Use the phone if it gets complicated or outsource the collection. To have the collection stolen. Try not to handle cash and if I do, make continuous deposits in ATMs within reach, manage with other collection systems, deposit amounts for easy payments, to be treated badly. This many times is also a strategy of the debtor for us to shrink. Let's keep that in mind so as not to get into the game.
Fear of my insecurity
- Not to find the debtor. This is common, but I must apply pressure and find out "pushing" to know where the debtor is "because it is necessary to contact him now…" Not to charge. That the effort is in vain, or that it fails to persuade the debtor. There is no bad debtor for life so I must not lower my arms. To negotiate badly. This is very common, I am afraid of losing in the negotiation.
It is very important to prepare well so as not to give in if it is not necessary. I can defend myself by knowing how much I should give in and when to withdraw.
- To be lied to and not realize I have to make them justify the sayings, many times by means of the questions Why does he tell me that? Why so long? Why does it matter so little?….
- To trust and be betrayed It is inevitable that I must have a range of trust since risk always exists and many times we handle ourselves without sufficient guarantee To distrust and not be necessary Many times I must be skeptical but I must not distrust if there are no clear indications already that I may miss out on opportunities for arrangement. Not knowing what to say. Being "out of hand" is something I can't afford.
Previous preparation is essential. Let's imagine excuses and how to answer them.
- Not knowing when to say No The collector is the one who sets the limits and always before the first offers you have to say no so that they are raised. If I add research questions I will get the necessary information to know when to say no. Saying does not depend only on us, not knowing when to say Yes Really the collector could say yes from the
first offer, but you should try to charge more and earlier. To say if there is always time. Saying yes is up to us alone.
Fear of the unexpected
- To be surprised and not know what to answer There is no unanswered excuse or objection. Therefore I must have an answer ready for each one.
- To be late -because you just paid another creditor- That depends on how well I know the debtor, when he has his income stream, how I communicated the benefits of paying me and the costs and consequences of not doing it. cry -including crocodile tears- and if it is a man, worse I must wait for someone to become weak or weak to get excited. It is something that I must handle without hesitation, contain so that it unloads and calms down and then look for the alternative fix. If the tears are real, the concern will make me look for money to fix the problem To waste time The management must be effective and not have expenses that are not recovered with the collection, I must take advantage of each contact to apply pressure, I should never lose time and it's up to me.
Anyway. As you will see, the most common fears are exposed and all of them are not justified, I must always handle them so that they do not influence my management and it only depends on me to handle them.
I hope it helps you to recognize them and find how to channel them. First, I must stop being afraid and then I must make the debtors fear me, or at least worry. If I cannot get them to respect and value me as to pay me, I must make them worry and fear me for the commercial or economic damage that I can cause them. It is not necessary to go so far but it is always the debtor who has to put up with me and not worry about me because I have to face a defaulter.
Take it into account. Until next time.
