04. The Game

For Collection agencies it’s a game of wits and they play it dirty. Make it your game too. Always remember that you have the upper hand, but be like a poker player – never show it. Just act like the dummy they think you are.

Their game is a total bluff. They know they hold no cards whatsoever. Their strategy is to bully you in an attempt to convince you that you are in the wrong and somehow you owe them some money. They have no contract with you until you make one – and that’s what they’re trying to do as soon as they contact you. The object of any letter, or phone call is to get you to admit a liability. As soon as you do, Bingo! – they’ve got you. All they have to do now is keep you convinced that you’re in the wrong and you will keep paying them.

Debt counsellors, solicitors and others will tell you to talk to the lender, or collection agency and come to some arrangement. All that does is prolong the misery. There is a government scheme to help you pay off a percentage of these ‘debts’, but what does that tell you? The government is party to this whole corrupt and cozy relationship. My advice is not to talk to them at all – it’s easy to find yourself on the wrong end of a contract you didn’t even know you’d entered into. Just tell them you don’t discuss these matters over the phone and will they please put everything in writing.

Here’s the rules of the game.

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