The 11 Forgotten Laws Review – 11 Forgotten Laws of Attraction

Admin — Tue, 27 Apr 2010 07:17:24 +0000

Are you still struggling after watching The Secret Movie? Even though I had wanted to use the law of attraction before, I was finding it very difficult to understand it and use it successfully. Like many people, I began feeling like it is all hype and that the law of attraction does not really work at all.

Eventually, I decided to invest in this new course by Bob Proctor called The 11 Forgotten Laws, and I am glad that my understanding of the law of attraction has changed ever since.

Why Are The 11 Forgotten Laws so Important?

These 11 laws work together with the law of attraction to achieve its effects. They do not work individually as they are all the principles in which the entire universe is formed. This is the main reason why some people are unable to use this law properly while others are able to easily.

Those who are able to do so already have a primary knowledge of these 11 forgotten laws, whereas the others do not understand them. Only by understanding the 11 laws (law of increase, non resistance, sacrifice, forgiveness, success, obedience, supply, thinking, receiving, attraction and compensation) can you fully utilize and experience the effects of the Law of Attraction.

The 11 Forgotten Laws Course Review

This is the course that has really helped me succeed with the concepts in The Secret. Everyone who wants to use the Law of Attraction needs to see this or I am convinced that it will not be able to work for them.

This course is for the people who are frustrated and confused because of their lack of understand of The Secret and all the laws that work with it. You can find out more about how to master this system at the website link below.

By: Robert Deloatch

Understanding the Human Side of a Debt Collector May Help You Deal With One (part One)

Admin — Sat, 23 Jan 2010 03:22:04 +0000

Copyright (c) 2008 Stephen Lau

In the present financial climate, debt collection is commonplace and many people may have to deal with debt collectors due to delinquencies. To deal with creditors is an art.

If you are among one of them, you may think that debt collectors are inhuman: they may have harassed you relentlessly.

Nowadays, many individuals have become debt collectors simply because they need a job, because they want to help others, or, for some, because they have a strong need for control and power. Whatever, debt collectors get trained, but do not go to school to become debt collectors.

Remember, debt collectors are just human, like everyone else. They, too, may have problems paying their own bills.

Understanding the human side of a debt collector may help you deal with one successfully. You must understand that their work environment is always filled with negativity. They need to call you incessantly and relentlessly: they would like to see as many as possible their clients become current. Like most other types of work, they have their own daily, weekly, and monthly goals to meet too.

As a smart consumer, learn how to deal with a debt collector. Dealing with debt collection is less of a hassle if you have the know-how.

According to Sun Tsu’s famous book “Art of War”, “Know the enemy and know yourself; in a hundred battles you will never be in peril. When you are ignorant of the enemy, but know yourself, your chances of winning or losing are equal. If ignorant both of your enemy and yourself, you are certain in every battle to be in peril.”

So know your debt collector (your imaginary “enemy”) and know yourself, and you will resolve your financial problems successfully.

As a smart consumer, it is important to make your account current. It is to your own advantage if you do. Ignoring your debt or delinquency problem – what most consumers choose to do – will not make the problem go away. Make your account current through a plan (knowing yourself, such as how much payment you can afford, and what to do with your current emergency debt situation) and good communication with your debt collector (knowing your “enemy”, such as making the debt collector help you resolve your financial problems).

Knowing yourself also implies adopting a positive and confident attitude before and when you make your initial contact with your debt collector. Remember, you are not a bad person just because you cannot pay your bills. When you put down your name on the dotted line to obtain a credit or loan, you probably did it with good intention. When you are having a financial problem, take care of yourself first and foremost. Do things that may lift up your spirit – things that do not require further straining your finances, such as going camping or fishing (but certainly not going on an expensive vacation).

Be open-minded; avoid being neither defensive nor aggressive when you contact your debt collector. Remember, he or she is human, just like you. An attitude is never a good communication skill, and will not get you anywhere.

Rest assured, your debt collector knows your name and address, your home and work phone numbers, the amount of loan, whether it is secured or unsecured, your payment history, your late payments, and your last payment date and amount. Your debt collector has everything in front of his or her computer when speaking to you. Therefore, you must have the same level of information, otherwise you might feel being intimidated while speaking to a debt collector. That is to say, you must also be as prepared as your debt collector to stay in the same level of information.

As a smart consumer, always request a copy of the payment history and a copy of your contract for the delinquent account (if you have not already done so), and have them mailed to you. This may not only buy you more time, but also show your intention to resolve the problem. To protect yourself, you must read your contract in its entirety and review your account payment history. If errors occur, use them to your advantage.

Review your state’s laws regarding collections and the federal Fair Debt Collection Practices Act (FDCPA) to know your rights as a consumer. Know what a debt collector can and cannot do. If you do not wish your debt collector to call you at work, fax a request to that effect. A debt collector cannot disclose your debt information on a telephone answering machine without your prior permission, or by mailing you a postcard.

If you are knowledgeable of the law and your rights, your debt collector will know that he or she cannot intimidate you.

(Part Two will be on the communication with a debt collector.)

By: Stephen Lau

Human Rights Law » Many People

The 11 Forgotten Laws Review – 11 Forgotten Laws of Attraction

Understanding the Human Side of a Debt Collector May Help You Deal With One (part One)