He Was Threatened With Death

Albert Einstein stated, "We can't solve problems by using the same kind of thinking we used when we created them". Cedric created a problem for himself by not slamming the phone down and not speaking to this Debt Collector. Cedric's paradigm was to 'work it out' with the Debt Collector. But Debt Collector had more a vicious paradigm.

Debt Negotiations are rarely friendly.

Cedric Darrett was living in a run-down Motel when a Debt Collector called his cell phone. The Debt Collector stated that Cedric owed over $2,000 on a debt. Cedric was torn between wanting to correct the record and trying to be cordial to the Debt Collector on the other end of the call. Cedric was making a common mistake. He needed to change his paradigm.

A paradigm is the way one thinks about issues [a thought process]. Stephen R. Covey in his book, 7 Habits of Highly Effective People taught me to change my own paradigms. This has helped me adjust to the cruel and unusual world of debt negotiation. The paradigm shift has helped me save many clients hundreds of thousands of dollars.

Back to Cedric. The Debt Collector first threatened to have Cedric arrested for the debt. This is a common negotiations trick [a big lie]. You can not be jailed for a debt. Debt is a Civil Legal issue - not a Criminal Offense. When Cedric would not agree to pay, the Debt Collector applied for credit in Cedric's name. This tactic would leave the Judge dumb-founded.

The thing that forced Cedric to change his paradigm was when the Debt Collector threatened to kill Cedric. Cedric took the threat seriously and immediately called his local Sheriff. Cedric reported that the Debt Collector said "If I meet with you, I'll have to kill you".

When the Debt Collector threatened Cedric, that was it. Cedric's paradigm shifted from cooperation to confrontation. A confrontation paradigm is what is required to win your war on debt.

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