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Settling your debt with your creditors is a viable option when it comes to getting out of debt. So how do actually settle your debt you may be wondering? There is a skill when negotiating and you should have an outcome in mind before you start negotiating with creditors. First you need to know how much money you have to work with and you need to know what to say and what not to say.

Most creditors are willing to settle and actually have a department assigned just for that purpose. The best way of gaining a good settlement offer is by having a compelling reason such as a medical condition, change in income or something other than over spending. Another thing that can have an impact on the outcome of the settlement is if you had cash advances on your account that you are negotiating. This could have a negative impact because most creditors are not willing to settle low on cash advanced balances or what’s commonly referred to discounted cash.

If your balance is mainly purchases that you have made the better your chances are to get the debt down to let’s say 20 cents on the dollar. Example, if you had a balance of $2,000 you could expect to settle for $400. You may want make an offer through the mail although this is not as effective and you lose the negotiation power of direct communications.

There are programs that can teach you how to negotiate, and it is worth considering because most professional negotiators get a third of what they save you. For instance let’s say you hired a professional negotiator and the balance of your debt was $35,000 and they were able to negotiate the debt down to $7,000 that would be a savings of $28,000. Their fee would be based on a percentage of the $28,000 they saved you which their fee would be $8,680. Now the total payback amount would be $7,000 debt + $8,680 fee= $15,680. Now your actual savings went from 20% to 45%. Now imagine if you were able to do the same thing with proper coaching. Let’s say the program cost $200 now you’re looking at an additional savings of $8,480.

You do have to consider the time that this will take you, however the reward of the education and the lessons learned could be priceless. If you feel that you are not capable of negotiating your debts on your own then you may want to hire a professional but at least negotiate their fee up-front down to a flat 10% of the total debt. Also make sure you never pay upfront fees and you do your proper due diligence on the company and make sure they’re reputable. A good start is to check them out with the Better Business Bureau.

One of the most important things in phone sales is the pitch of your voice, pitch can determine whether the caller sounds genuine, yes they are interested in my business, yes they can solve my problem, yes they are clear and concise in their tone of voice and they may be someone I want to discuss doing business with further. If you sound mundane or uninterested in the client it comes through on the phone, so does scripted jargon that usually turns people off.

Presentation is also a very important point in phone sales. How are you going to present your idea? Better yet, How are you going to present your idea to your specific potential client? What do you know about their business? What is your product or service exactly going to do for them? What are there current problems that you think you can solve? Why do you think you can solve their problems? Have you helped other clients solve the same problems recently? You want to be brief in you initial conversation, have an opening greeting that reveals something about your company, acknowledges their time, and discusses your opportunity with the ability for you to gauge their interest going further. Then if it is useful, spend more time but ensure to get a meeting or follow-up call booked.

Plan, you must have a plan. You must ask yourself specific “what if” questions so when you present you conversation you are able to answer objections. What if some of the information you have gathered about the company has changed or is no longer valid, how are you going to handle that? What if the contact you were given no longer works there? What if they have already purchased a similar product or solution or are in the process of talks and do not want to talk to any other potential firms? These are questions you must think about when you are planning out your conversation to the potential client. What if the client is very turned off by your phone call?, how will you handle this? Also plans may have changed within the company in terms of organization, structure, budget cost and needs, these you will have to determine from asking fact-finding questions.

One of the most important questions may be, What if you can’t get a conversation with the decision-maker? How will you get your presentation and facts to them. You might have to use mail, fax, video conferencing or another tool, or have a promotional event or luncheon that invites them. These are some of the ways you may overcome their rejections. Make sure to follow up at least 3 times with a client in a relevant and timely manner, no one hates anything more than being bothered for the same reason, or just to be sold something.

Creating a successful business online requires a lot of effort and time. Even if you don’t have the large marketing budgets you can still create traffic and hits and online action to your web page and here’s how:

1) Create a website that clearly defines what you do and what you offer. Make it very easy for a consumer to know exactly how you can help them or what you can provide. Write using the terminology that your consumers use, use the right keywords and Meta tags within your site. SEO start with the main page, so make sure the copy on your core website is written effectively.

2) Write effective company articles – This is the PR for your business. It is very important that when you write your articles you spell correctly and use good grammar. In writing articles, this is all about giving the reader some information about you and what you offer.

3) Write product reviews- Aside from articles that are more on a PR Press Release or informative format it is very important that you also write product reviews or service reviews on how your product is used or how a product you sell can help the consumer. Use good copy and tell a great company story.

4) Don’t forget about your blogs – It’s easy to put up a blog, post a blog and then never write another one again. Or maybe a few months go by before you write and post to your blog. Choose a day and time in your schedule and post to your blog. A lot of companies these days are hiring writers like me to update and post to their blogs. But if you feel you have the writing ability to manage this, pick a day like every Friday at noon and post to your blogs. This is all about increasing and growing your business.

5) One Blog, Two Blog, Three Blog…More – Pick blog heading and titles that best describe your products or services. Most companies offer more than one product or service, so dedicate a blog to each of those. You can include a list of all your other blogs on each of those blogs and interlink them. But don’t just settle with one, in this case more is better. Use blog titles that are relative to your key words.

6) The Blog Website – Blogs are now coming with pages, they are created more like websites. You can create an About Us page, a Services Page, contact, whatever you desire in your web pages, and this can be in addition to your current site or possibly be your main page. Utilize it. WordPress and Blogger both have this feature available now.

7) Comments – Comments are a great way to share a thought or opinion as well as who you are. Post comments and always leave a signature about yourself. Your name, website and contact info.

Submit your site or sites – Don’t forget to submit your sites to Search Engines, Directory lists, Ezine’s, and any and all publishing services you can find. This goes for your website, blogs and blogs that you may host with Blogging providers. Your articles can be submitted to thousands of SEO friendly directories and ezines out in the web. Set a goal to do a batch each month

9) Twitter – If you don’t already have a twitter account- set one up immediately. Twitter is a great way to drive clicks to your website, web pages, squeeze pages, articles or blogs.

All these internet marketing strategies cost no money, but simply your time or maybe someone else’s time for money and you will find reasonable rates for writers to manage these blogs and write your articles for you. And don’t forget that when you submit your articles, you leave a signature with the website you want to drive consumers to. Happy Selling!