Of course, the most important thing you want to advise your clients to do is destroy all their credit cards. Best of all, have them cut them in half, and send them back with a short note explaining what they are doing and why - getting a handle on their debts according to their actual income. Basically, that's all there is to your counseling service.
You'll need a first meeting to hear the problems, and to make your proposals. A second meeting will be in order to polish and endorse the planning and a third meeting at the end of the first month to assist them in making their payments from their obligation envelopes. Finally, you'll want to keep in touch with them and ask how they are doing from time to time. You'll find that most of the people you serve today will need your services again at some time within the next five years - sad, but statistically true.
It's a 'fast-track' and ever-changing world. People who are poor money manager today invariable encounter money problems again and again, regardless of how often they get everything paid off. This is, unfortunately, what keeps the lending institutions in business, and presents the opportunity for you to become wealthy as a Professional Credit and Debt Counselor.
You'll need a receipt book. Drop by any large stationery store and get the most impressive one available. You should charge $100, more or less, for your services. Three counseling sessions, with the payments at $10 per month spread over ten months is an ideal arrangement. Explain your fee during your first contact - $100 in payments of $10 per month per ten months. You'll find the sound of a $100 fee affords an intangible degree of respect for your services, while the explanation of modest $10 monthly payments closes the sale for you.
Always carry an attache case, and at each meeting, work at the kitchen or dining room table. If it's a husband and wife, be sure that each is seated beside you. If it's just one person, have him or her to your right if you're right-handed; to your left if you're left-handed. Never have a client opposite you, across the table. Round tables are best for empathy, agreement and cooperation; this has been proven psychologically - just believe it, and be guided accordingly.
Always carry a yellow legal pad, and have plenty of pencils with erasers available. The legal pad lends authority to your knowledge, while leaving plenty of room for alternatives. The pencils and erasers eliminate the symbolic fear of every thing being 'cast in stone', and convey the feeling of negotiation.
You should be well-dressed, a portrayal of the traditional 'financial officer', and yet in warm colours to accentuate your empathy with the problems of your clients. By all means, you should be sparkling clean and well-groomed. Do not smoke during a meeting with a client, and always diplomatically refuse any alcoholic drinks that may be offered. Try to 'talk' with your clients. You must never show any signs of disapproval of the actions that resulted in your clients being in their present predicament, nor should you sound as if you're lecturing or speaking to children. Remember - and you can tell your client - this has happened to many stable, conscientious people.
Author Resource:-
Uchenna Ani-Okoye is an internet marketing advisor.
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