Something to make dealing with creditors easier

[chairmanmiaow]

I've been negotiating with about 12 individual creditors (I quite enjoy it, actually - the key is to be calm, very polite, very firm, and take no nonsense from them whatsoever) over the last few months, and have been using a web service called highrise to record who I've spoken to, what they said, when, what the agreed next action was, and reminders for what I need to do next.

Even better, the basic version is free. If you're not using a system (even a paper notebook) when dealing with these people, I recommend it. All of them have systems to record your interactions with them, and when they know you are doing the same, it discourages them from playing silly games.

[trog]

How have you found neogiating yourself with your creditors

[chairmanmiaow]

Fine so far - but then I'm a good (and trained) negotiator. I also keep in mind that it's just a job to them, and don't get upset by any of their tactics. All negotiations are a game, really.

I can see how they would be very upsetting and intimidating to people who haven't experienced this sort of thing before - some of their ploys are underhand, and/or heavy-handed.

The main problem I have is that it's time consuming, so as soon as I have more income (for a DMP) I'll get one of the professionals to handle it.