Can Bankruptcy Lawyers Help With Debt Negotiation?

Have you ever experienced not being able to sleep due to surmounting debts? Perhaps you have worked 2-3 shifts a day just to make ends meet since you have children to raise and debts to pay? When you believe that you can no longer make the payments in time, you might consider altering the payment scheme of your debt into a much lower one so that your earnings could satisfy them. The big question is how to do it.

If you are among the persons who have considered paying a lesser amount for your debt every month so that you may have a little amount to spend on your children, then it is the right time for you to go through debt negotiation. By the name itself, you will know that you will be negotiating for your debt. If you have doubts with regards to the legalities of the matter, then getting the advice of the right party in the person of a lawyer will be the best option that you can take.

A lot of lawyers assist individuals to make debt negotiations with their creditors, and most end up satisfied with the results. One thing that is most likely to happen when you negotiate is that the principal amount can be lowered. When this occurs, you would now have a lower amount to pay every month. If you are in doubt as whether your creditor would give you the slight reprieve and lower down your principal debt, then try to think about this. Your creditor would gladly accept a slight lower payment than not to receive any payment from you at all. This is why getting a lawyer to help you in the negotiation process with your creditor is a good thing to do.

If you are asking yourself if you can go for this option, then check and see whether your income would permit you to do so. If you have a fixed income, then debt negotiation is right for you since you can determine how much you will be allocating for debt payments and how much would be left for your sustenance. If you are self-employed, then you are also a good candidate for this process. If you are an independent contractor, debt negotiation is also right for you.

Perhaps, you have a relative whom you can easily run to for your financial needs, or you may know of somebody whom you can depend on during emergencies. Lawyers would always ask this so that they may be able to see whether you can meet your payments when the time comes. And if you don’t have the means for it, there would be people you know who can help you meet the scheduled payments.

Tips for PowerPoint Presentation – Transforming Your Slides Into Effective Visual Aids

Make Use of Pictures with Good Quality

When creating PowerPoint presentation slides, never settle for low quality images, including photographs for your slides. It’s not advisable to stretch a tiny, low resolution photo because it will degrade the resolution further. Always go for a good quality camera when taking pictures or you may also hire a professional photographer to take the pictures instead.

Clip arts are incorporated in the software probably since their advent and people are very familiar with them. They are not as interesting as they were during the 90′s. Most of the time, when a presenter makes use of these clip arts the audience question the presenter’s professionalism and competitiveness. Although not all clip arts are terrible, they still need to be used with caution.

One of the helpful tips for PowerPoint presentation to keeping the audience’ interest is by putting images of people on slides. This type of images provokes the audience to relate to the slides emotionally.

Keep a Visual Theme but Avoid Using PPT Templates

Consistency in the visual theme is very essential during the presentation; however one should avoid using PowerPoint templates as people have seen them a million times. It is necessary to provide the audience with a new and fresh material. If it’s not, why would the audience want to attend your presentation?

You can choose to make your own background template which you can edit to suit what you require. Simply save the PowerPoint file as a Design Template (.pot) and afterward you will see it among the other standard Microsoft Templates in your software. This means you can still use what you created in the future.

Choose an Appropriate Charts/Table

Presenters have the tendency to put excessive information in their on-screen charts. To avoid this, the first thing to do when choosing which charts/tables to use is to assess how much detail you will need.

Additional Tips for PowerPoint Presentation on Using the Right Color

Color plays a significant role in motivating the audience since it has the potential to induce feelings and emotions. Based on studies, the use of colors helps in enhancing the audience’ interest; hence it will be easier for them to learn, comprehend, and remember what you discussed. Since color usage is important, business professionals are encouraged to be familiar with the subject so they will know how to use it to their advantage.

Private Lending Program For Real Estate Investors – Pros and Cons of Group Presentations

Part of this program is we’re going to be doing a whole teleseminar course on defining your private lending program, meaning all of the various factors that are involved, not just interest rates. Obviously, that’s part of it. You want to know the terms that you’re going to use. Are you going to short-term, long-term? Are you going to offer different pieces of collateral, just real estate, or personal pledges, or all the various other pieces that might be involved?

Loan to Value Ratios

We’re going to talk about loan to value ratios. What loan to value ratios are you going to lend up to 7% to 80%. Believe me, there are 10 or 15 different elements that you need to think through and work through to develop your unique private lending program. It might be similar to mine. That’s up to you, but it will be a program that is yours, and you need to think it through. As part of that call I will probably give you a number of pieces of homework that you would do.

You would address all these various issues so at the end of those calls, you would have a very well-defined private lending program that you could then talk to other people about and tell them, “I’m going to offer this interest, this term, this collateral,” and just go down the list of various pieces that you’re going to offer private lenders.

Group or Individual Presentations

Are you going to do group presentations or individual presentations? You need to figure out what your strength is. If you’re comfortable talking in front of groups, that’s wonderful. That’s a very powerful way to get started. If you can talk to elderly groups, professional groups, accountants, any of these types of things, small groups of 5 people, 10 people, you can get up to 20 or 30 people. Just try to get in front of as many people as possible.

Obviously though, most people are not going to be interested in your program but a few will and those are the few, once you’ve identified them, you need to kind of nurture those people along and develop those relationships.

Figure Out What Works for You

Group speaking is something some people are comfortable with. Others are not. That’s fine. You need to figure out what works for you. If you want to do one-on-one or smaller networking types of relationship meetings, that’s fine. Again, as I said I have migrated from group meetings to one-on-one meetings. I’ve just found it better. I find my closing ratio is much higher when I can do a one-on-one type of thing. Again, whatever works for you.

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