Enough head games.

Ray

The information is not silly.I'm telling them it's possible to settle debts for 10%.I learned how to settle these debts on my own, and if i could do it anyone can.Heres something for starters, when the collector calls ask them you want to fill out the forms to submit a low perimeter settlemnt offer. If your not satified with the collection agency call the creditor, or the ombudsmane dept.I kept calling the creditor asking who is the highest manager in that dept.I didn't say my journey was easy, but i tell you one thing i never gave up till i got my 10% deal.

It's not about me or you or being smart; it's about helping people in desperate situations (who generally don't have the money for a lawyer) with correct information. Wasting their time giving them silly info is throwing a drowning person an anchor.

Ray

It's all in good fun monty. I think raymond is a smart guy, maybe not as smart as me.lol. I read his posts and he is full of knowledge. I been around the block with these creditors in the past and just know how to get these settlements.

Q.E.D.

Ray

fellows... make nice...

1. Deanna Natale and co. are a pleasure to deal with.
2. The great majority of collection agents are also a pleasure to deal with - except for a few grinches who get forced out anyway because they don't make any money being nasty.
3. I'm actually undercover and in league with creditors and collection agents in order to assist them in getting bigger settlements
4. All debts can be settled for 10%

1.The collector at natale law office was very polite.The settled a $10,000 debt for $1000.00.

2.The collecton agencies i have dealt with so far, had atleast one collector that was rude, and i would just call back and asked to have someone else working my matter.

3.In my case i have settled 12 debts at 10%, maybe i know things that other people don't.

4.I don't think you work undercover raymond, your just unemployed and bored with life.

Monty, let me put it this way: my polling results are accurate to within 1 part in 32,874,564.

Looking at "averagejoe's" last 4 "helpful" insights

1. Deanna Natale and co. are a pleasure to deal with.
2. The great majority of collection agents are also a pleasure to deal with - except for a few grinches who get forced out anyway because they don't make any money being nasty.
3. I'm actually undercover and in league with creditors and collection agents in order to assist them in getting bigger settlements
4. All debts can be settled for 10%

I would definitely agree the rest of his assertions are as accurate as the above 4.

In fact, what's more likely to happen if you owe one of the banks a lot of money is what averagejoe reports in his Jan. 10, 2008 post; ie.

http://www.canadian-money-advisor.ca/threadview/904.html)

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I had a rbc visa that i defaulted on and the bank sent it off to a lawyer here in town and he placed a judgement against me.The judgement is for $10,000.I am not working at the present time and off for medical reasons.I approached to them to settle this debt and i'm waiting to hear back from the bank laywer. I gave them a list of assets and liabilities and i do own a home and the mortgage is not with them.The liabilites are more then my assets and i have no equity in my home.I do have home and auto insurance so it's no big secret i owned a home so they could of put a lien on my home when they got the judgement a year ago.Is it in their best interest to settle up now or put a lien on my home? I would like some input on my matter from people that had this experience.

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I'm not sure what he means; in the above post, he tells us he already owns a home (albieit a financed one); yet in today's post, he tells us he is looking forward to buying a house when he can afford it.

Ray

Raymond is like velvet covered barbed wire. :)

He is kind of amusing at points :)

I'm disappointed in raymond, i thought he was perfect lol.