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10 things anyone dealing with a debt collector should know – ABC News #debt

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10 things anyone dealing with a debt collector should know

If you are having trouble with debt collectors, here are some tips to help.

Getting a debt collection call is never fun. Even in a best-case scenario — it’s your debt and you can pay — that outstanding account can cause a headache or two. And if the debt’s contentious, not yours or just too darn high, the situation can become (or at least feel) a lot more dire. But knowledge is a superpower when it comes to dealing with a debt collector in any shape or form.

Here are 10 things anyone who’s gotten a debt collection call should know.

1. You Have Rights Yes, a debt collector has every right to collect on a debt you legitimately owe, but there are rules and restrictions — formally known as the Fair Debt Collection Practices Act (FDCPA) — that govern how they can go about their business.

2. Old Debts Expire Each state also has laws specifying how long collectors have to sue you over a debt. In most states, these time limits last for four to six years after the last payment made on the account. You can consult this chart to determine your state’s statutes of limitations (SOL) — and if you get a call about a very old debt, you should really consult this chart, because.

3. Zombie Debts Are Real. Collection accounts get resold all the time, and it’s not uncommon for someone to get a call about a debt that’s outside the SOL or no longer owed. The latter is illegal, but the former may not be: The SOL applies to how long a collector has to sue you over a debt, but, in many cases, they can still try to get you to pay.

4. And You Can Wind Up Reanimating Them If the old account is legit, you can unwittingly restart the clock on the SOL by paying part of the debt or even agreeing over the phone that it’s yours. If you get a call about a debt, be sure to get all the details before saying you owe. That due diligence is doubly important because.

5. There Are a Lot of Scammers Out There That’s not to say you’re talking to one, but you’ll want to stay on guard. “Ask the caller for their name, company, street address, telephone number and if your state licenses debt collectors, a professional license number,” according to the Consumer Financial Protection Bureau (CFPB), which has more tips for spotting a debt-collection scam on its website.

6. You’re Entitled to Written Verification In fact, FDCPA requires a collector to send a statement outlining the specifics of the debt within five days of contacting you. That notice — which is basically step one in determining whether a debt’s legit — must include the amount of money you owe, the name of the original creditor and what actions to take if you believe the information is wrong.

7. You Can Dispute the Debt Debt collectors must investigate a debt so long as you file a dispute in writing within 30 days of their initial contact — and they’re to cease contact until they verify (again in writing) that you owe the amount in question.

8. Collectors Can’t Just Inflate What You Owe Regarding that amount: A debt collector can charge interest, but only up to the amount stipulated in your contract with the original creditor. Most states also cap the amount of interest and fees a debt collector can charge.

9. You Can Ask Them to Stop Calling Per FDCPA, a collector must cease contact if you send a letter requesting they do so. That letter won’t absolve you of a legitimate debt, but it can curb incessant and heated phones calls, which is important because.

10. Too Many Calls Are Illegal Another facet of FDCPA: Collectors can’t call you too early in the morning (before 8 a.m.), too late at night (after 9 p.m.), too many times a day or at work once you tell them not to. They’re also not allowed to use abusive language — no cuss words or name-calling.

Want to know more ways to effectively handle debt collectors? You can see the full list of 50 things anyone dealing with a debt collector should know on Credit.com.

Jeanine Skowronski is the executive editor of Credit.com.

Any opinions expressed in this column are solely those of the author.





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Best practices for social media monitoring – Smart Insights Digital Marketing Advice #marketing #email

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Best practices for social media monitoring

Social Media Monitoring offers opportunities for a more strategic approach

Are you still one of those businesses that are using social media monitoring (SMM) tools and services tactically or maybe not sure if you are using the right social media tool(s) for your business needs? By tactical SMM I mean the common use of social media tools for simply analyzing daily activities across specific social media to track online conversations around your brand, responding to negative or positive comments, or evaluating your marketing campaigns.

If so, you should be aware that SMM also offers opportunities for a more strategic approach.

In order to realize a long term value from SMM you need to integrate SMM with other business processes. This may include measuring the strategic business impact of social media marketing, strengthening initiatives for social customer engagement, expanding strategies for increasing retention and revenue from current customers, implementing social media campaigns to acquire new customers, and so forth.

Businesses across all industries continue to invest into social media programs such as employee advocacy, social selling, social recruiting, social advertising, etc. and employing various Social Media Monitoring (SMM) technologies and services to monitor and solicit public opinions about their brand and products, shape their online presence and develop strategies to efficiently engage and harness the social paradigm.

To measure the value of their social media activities, they should look at the overall results they are generating, and carefully examine how social media was engaged in increasing their bottom lines through growing revenue and increasing efficiency. The chart below illustrates some of the key ways the social media can affect your business performance.

For instance, you can shorten your company’s sales cycle and accelerate revenue by generating multiple impressions for your online content across the vast social media channels and build and leverage the credibility, trust and relationships to win a prospect’s business. This can be significantly augmented by successfully integrating your social media and traditional marketing strategies at every stage of the buying process. Similarly, in terms of customer services, you can use SMM and management tools with strong workflow management to improve customer services and customer satisfaction by increasing resolution rate and lowering resolution time outside call center, as well as increase brand loyalty and awareness by actively engaging with customers and addressing their questions and concerns. Your relationship with customers and their experience with your brand should be of the utmost importance.

If used right, social intelligence offered by SMM tools can create true business value for your business by supporting every area of your business: from understanding consumers’ needs and behaviours, competitive landscape, creating risk management plans, increasing customer experience and satisfaction, to executing product development and campaigns, and building long term and profitable relationships with your customers.

Choosing the Right Social Media Monitoring Tools for Strategic Evaluation

There are many social media monitoring, intelligence, analytics, marketing and management tools on the market and making an educated choice about which tool(s) can best address your specific business needs and justify your social media investment has become a complex and multifaceted process.

The number and quality of SMM tools available in the market has increased, with the SMM technology industry maturing rapidly through innovation and acquisitions by large technology companies and the emergence of new tools, delivering unique and more sophisticated analytical capabilities and more personalized engagement. This has created a highly complex and diverse landscape of SMM technologies with the top vendors developing features beyond monitoring, listening, or social media management, and converging gradually with other types of platforms such as content management, customer experience or social relationship platforms.

According to Ideya’s Report on Social Media Monitoring Tools and Services. there is no single SMM tool or service provider that can effectively measure and address all aspects of social media. For that reason, most businesses are currently using multiple social media tools across different functional areas, geographies, as they require a slightly different approach and view of the social media space in order to address their specific analysis, engagement and business needs.

SMM technology providers aim at delivering unique SMM solutions in terms of technologies they apply, key product features and pricing they offer. This often presents challenges to businesses that are just embarking on SMM or upgrading their existing SMM activities and it is difficult to make an informed decision without having an overview of the current options and new trends. For that reason, Ideya has compiled information about key product features of 200 tools and services including:

  • Data management features such as data coverage (media, language, geographic and industry coverage), data latency, alerts (standard or threshold alerts), data export capabilities, Application Programming Interface (API) integration options, and data archiving,
  • Data analysis and visualization features, including key metrics, sentiment analysis (metrics and language coverage), influencer profiling and analysis, viral content tracking and analysis, trend analysis, topic and theme analysis, word/tag cloud, competitive monitoring and analysis, predictive analytics, campaign management and measurements,
  • Process management and user interface. including dashboard (standard or customizable), workflow management, engagement function, publishing function (e.g. content creation and/or curation, editorial calendar, time optimization for post scheduling, etc.), Client Relationship Management (CRM), and
  • Factors influencing purchasing decisions, including pricing, key clients, product applications, industry focus, client support, company size and year when the tool or service was made publicly available.

We expect that these aspects are important for outlining the SMM strategy and selecting specific providers.

The Tool Key Features and Factors Impacting Selection Process

As discussed in the Report, understanding the data management, data analysis and visualization features as well as process management and user interface of a specific tool is of the utmost importance, as well as understanding what differentiates it from its competitors.

Nevertheless, you should also understand key social media monitoring functions and product applications, as well as take into consideration other factors influencing purchasing decisions such as

pricing, product and service availability, vendor’s industry focus, its ability to innovate and quickly adapt as social media landscape changes, and possibly review SMM vendor’s reference client listing, which demonstrate vendor’s professional experience and credibility.

A summary of some key findings from the SMM Tools and Services Report can be found in our most recent Presentation (included below) and SMM Tools and Services Report Excerpts that have been recently published on the SlideShare.net platform. Enjoy reading and do leave a comment or questions if you want to know more about how to better use social media monitoring tools for your business!

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The importance of ethics in business – Ethical business practices – Cadbury Schweppes #daily

#ethics in business

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Ethical business practices
A Cadbury Schweppes case study

Page 1: The importance of ethics in business

Ethics concern an individual’s moral judgements about right and wrong. Decisions taken within an organisation may be made by individuals or groups, but whoever makes them will be influenced by the culture of the company. The decision to behave ethically is a moral one; employees must decide what they think is the right course of action. This may involve rejecting the route that would lead to the biggest short-term profit.

Ethical behaviour and corporate social responsibility can bring significant benefits to a business. For example, they may:

  • attract customers to the firm’s products, thereby boosting sales and profits
  • make employees want to stay with the business, reduce labour turnover and therefore increase productivity
  • attract more employees wanting to work for the business, reduce recruitment costs and enable the company to get the most talented employees
  • attract investors and keep the company’s share price high, thereby protecting the business from takeover.

Unethical behaviour or a lack of corporate social responsibility, by comparison, may damage a firm’s reputation and make it less appealing to stakeholders. Profits could fall as a result.

Along with good corporate governance, ethical behaviour is an integral part of everything that Cadbury Schweppes does. Treating stakeholders fairly is seen as an essential part of the company’s success, as described here: ‘A creative and well managed corporate and social responsibility programme is in the best interests of all our stakeholders – not just our consumers – but also our shareowners, employees, customers, suppliers and other business partners who work together with us. *’

Ensuring that employees understand the company’s corporate values is achieved by the statement of ‘Our Business Principles’ which makes clear the behaviour it seeks from employees.

Cadbury Schweppes’ good practice was recognised when it was voted one of the ‘most admired companies for community and environmental responsibility’ by Management Today magazine in 2003. It was also ranked second in the Food and Drink sector in the Business in the Community ‘Per Cent Club’ Index of corporate giving for 2003, with an investment in the community of around 3of its UK pre tax profits.

* Cadbury Schweppes Corporate and Social Responsibility Report 2002

Cadbury Schweppes | Ethical business practices





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Green Business Practices #government #business #grants

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From changing a light bulb and using recyclable products to installing energy efficient equipment and systems, every business can make simple changes that save energy costs and natural resources.

The following resources will help you Green Your Business!

Become Energy Efficient

The Small Business Guide to Energy Efficiency includes tips, advice, and resources to help you save on energy costs: from energy saving tips to information on grants, loans and incentives available for making energy efficient upgrades to your facilities.

Adopt Environmentally Sound Business Practices

Improve Your Waste Management System

  • Learn how to Reduce, Reuse and Recycle within your business
  • Follow the Environmental Protection Agency’s Guide for Industrial Waste Management
  • Identify whether your business produces Hazardous Waste
  • Recycle Used Electronics
  • Implement Sustainable Materials Management within your business
  • Check your municipal and state waste management websites for more information
  • Consider servicizing your business

Invest in Renewable Energy

In addition, the following Small Business Guides include special highlights to help you green your business:

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Green Business Practices #best #business #banking

#green business

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From changing a light bulb and using recyclable products to installing energy efficient equipment and systems, every business can make simple changes that save energy costs and natural resources.

The following resources will help you Green Your Business!

Become Energy Efficient

The Small Business Guide to Energy Efficiency includes tips, advice, and resources to help you save on energy costs: from energy saving tips to information on grants, loans and incentives available for making energy efficient upgrades to your facilities.

Adopt Environmentally Sound Business Practices

Improve Your Waste Management System

  • Learn how to Reduce, Reuse and Recycle within your business
  • Follow the Environmental Protection Agency’s Guide for Industrial Waste Management
  • Identify whether your business produces Hazardous Waste
  • Recycle Used Electronics
  • Implement Sustainable Materials Management within your business
  • Check your municipal and state waste management websites for more information
  • Consider servicizing your business

Invest in Renewable Energy

In addition, the following Small Business Guides include special highlights to help you green your business:

Self-Employment – Run an Eco-Friendly Business





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Green Business Practices #business #supply

#green business

#

From changing a light bulb and using recyclable products to installing energy efficient equipment and systems, every business can make simple changes that save energy costs and natural resources.

The following resources will help you Green Your Business!

Become Energy Efficient

The Small Business Guide to Energy Efficiency includes tips, advice, and resources to help you save on energy costs: from energy saving tips to information on grants, loans and incentives available for making energy efficient upgrades to your facilities.

Adopt Environmentally Sound Business Practices

Improve Your Waste Management System

  • Learn how to Reduce, Reuse and Recycle within your business
  • Follow the Environmental Protection Agency’s Guide for Industrial Waste Management
  • Identify whether your business produces Hazardous Waste
  • Recycle Used Electronics
  • Implement Sustainable Materials Management within your business
  • Check your municipal and state waste management websites for more information
  • Consider servicizing your business

Invest in Renewable Energy

In addition, the following Small Business Guides include special highlights to help you green your business:

Self-Employment – Run an Eco-Friendly Business





Tags : , ,

Green Business Practices #business #process

#green business

#

From changing a light bulb and using recyclable products to installing energy efficient equipment and systems, every business can make simple changes that save energy costs and natural resources.

The following resources will help you Green Your Business!

Become Energy Efficient

The Small Business Guide to Energy Efficiency includes tips, advice, and resources to help you save on energy costs: from energy saving tips to information on grants, loans and incentives available for making energy efficient upgrades to your facilities.

Adopt Environmentally Sound Business Practices

Improve Your Waste Management System

  • Learn how to Reduce, Reuse and Recycle within your business
  • Follow the Environmental Protection Agency’s Guide for Industrial Waste Management
  • Identify whether your business produces Hazardous Waste
  • Recycle Used Electronics
  • Implement Sustainable Materials Management within your business
  • Check your municipal and state waste management websites for more information
  • Consider servicizing your business

Invest in Renewable Energy

In addition, the following Small Business Guides include special highlights to help you green your business:

Self-Employment – Run an Eco-Friendly Business





Tags : , ,

The importance of ethics in business – Ethical business practices – Cadbury Schweppes #internet

#ethics in business

#

Ethical business practices
A Cadbury Schweppes case study

Page 1: The importance of ethics in business

Ethics concern an individual’s moral judgements about right and wrong. Decisions taken within an organisation may be made by individuals or groups, but whoever makes them will be influenced by the culture of the company. The decision to behave ethically is a moral one; employees must decide what they think is the right course of action. This may involve rejecting the route that would lead to the biggest short-term profit.

Ethical behaviour and corporate social responsibility can bring significant benefits to a business. For example, they may:

  • attract customers to the firm’s products, thereby boosting sales and profits
  • make employees want to stay with the business, reduce labour turnover and therefore increase productivity
  • attract more employees wanting to work for the business, reduce recruitment costs and enable the company to get the most talented employees
  • attract investors and keep the company’s share price high, thereby protecting the business from takeover.

Unethical behaviour or a lack of corporate social responsibility, by comparison, may damage a firm’s reputation and make it less appealing to stakeholders. Profits could fall as a result.

Along with good corporate governance, ethical behaviour is an integral part of everything that Cadbury Schweppes does. Treating stakeholders fairly is seen as an essential part of the company’s success, as described here: ‘A creative and well managed corporate and social responsibility programme is in the best interests of all our stakeholders – not just our consumers – but also our shareowners, employees, customers, suppliers and other business partners who work together with us. *’

Ensuring that employees understand the company’s corporate values is achieved by the statement of ‘Our Business Principles’ which makes clear the behaviour it seeks from employees.

Cadbury Schweppes’ good practice was recognised when it was voted one of the ‘most admired companies for community and environmental responsibility’ by Management Today magazine in 2003. It was also ranked second in the Food and Drink sector in the Business in the Community ‘Per Cent Club’ Index of corporate giving for 2003, with an investment in the community of around 3of its UK pre tax profits.

* Cadbury Schweppes Corporate and Social Responsibility Report 2002

Cadbury Schweppes | Ethical business practices





Tags : , , , , , , , , , ,

Green Business Practices #start #up #business #loans

#green business

#

From changing a light bulb and using recyclable products to installing energy efficient equipment and systems, every business can make simple changes that save energy costs and natural resources.

The following resources will help you Green Your Business!

Become Energy Efficient

The Small Business Guide to Energy Efficiency includes tips, advice, and resources to help you save on energy costs: from energy saving tips to information on grants, loans and incentives available for making energy efficient upgrades to your facilities.

Adopt Environmentally Sound Business Practices

Improve Your Waste Management System

  • Learn how to Reduce, Reuse and Recycle within your business
  • Follow the Environmental Protection Agency’s Guide for Industrial Waste Management
  • Identify whether your business produces Hazardous Waste
  • Recycle Used Electronics
  • Implement Sustainable Materials Management within your business
  • Check your municipal and state waste management websites for more information
  • Consider servicizing your business

Invest in Renewable Energy

In addition, the following Small Business Guides include special highlights to help you green your business:

Self-Employment – Run an Eco-Friendly Business





Tags : , ,