Asking someone to pay you back the money they owe you can be very uncomfortable at times. But no matter how uncomfortable it might seem, it’s necessary to regain the money you had lent to somebody. Debt collection is a rapidly growing market, with an estimated size of $1.6 bn AUD in 2022.
If you have a debtor who refuses to pay back the due amount, it’s time to take matters into your own hands. Here are some ways to recover money from your debtors.
1. Send a polite reminder
You don’t need to threaten or be impolite the first time you ask your debtor to pay up. Initially, send a friendly and polite reminder to them via a phone call, mail, or even a letter.
Maybe your debtor had a genuine reason to forget about the payment or made a mistake and ended up paying somewhere else. So the first reminder should always be a simple and friendly one. In case you’re confused about what to write, you can refer to any reminder template online.
2. Reach out again
If the person concerned has ignored your message or simply hasn’t bothered to reply, it’s time to send them an overdue reminder. Mention the fact that you sent them a previous intimation (add a screenshot along, if possible) and that it was not replied to.
Give the customer another call or text, but be slightly more firm and strict this time. Ask them to repay you as soon as possible, since texting or mailing someone repeatedly can be an issue from both ends.
3. Send a final notice
This might get really tiring, but send a third and final notice, this time in the form of a warning. Don’t be rude or aggressive, but make sure you let your customer know that you are annoyed and dissatisfied with their behavior.
Politely tell them that if they refuse to answer, it might be time to contact an outsider’s help. A final notice can be slightly tricky to write, so refer to any final notice template on Google for your benefit.
4. Make a direct contact
If you know where your debtor lives, go and pay them a visit. Chances are, when they are caught off-guard, they won’t be able to make any excuses and will pay you back. But this will only work if you know where the person lives or works.
Visiting them in person can also strengthen your relationship with them that might come in handy later. Also, who knows, maybe your debtor lost their phone or had a problem with their bank account, which is why they couldn’t contact you.
5. Formal letter of demand
This is where things get official and tough. If all your attempts at contacting your debtor have failed, it’s now time to send a formal letter of demand. But this letter should only be given when there is no other way out; don’t use the letter right at the beginning.
Since a formal demand letter has the potential to sour or damage the relationship between you and your debtor, you must consider carefully before taking such a step.
6. Go to a debt-collecting agency
The next step here would be to go to a debt-collecting agency that will help you with your dispute. McMahon Fearnley Lawyers is a reputed agency dealing with services like debt collection through completely legal methods. McMahon will ensure that both parties abide by the necessary rules and you get your money back as soon as possible.
It will also help you draft a formal letter of demand, should you need one. In case the problem isn’t solved, and a higher authority is required, McMahon will help you through that too.
7. Get help from sources
Various sources like the Victorian Small Business Commission, Victorian Civil and Administrative Tribunal, and Consumer Affairs Victoria are specialized to solve consumer disputes and civil troubles. Consider going to them if you need assistance.
They all operate under Australian Law, so all their processes will be legal and trouble-free.
Over to you…
These are some of the steps you can take to collect money from your debtor. Remember not to resort to harsh methods right from the start as they can give a bad impression of you and cost your time and money.
But if things don’t improve, seek legal help from companies like McMahon Fearnley and ask them for advice.
How to Sell Feet Pics to Make Money
Selling your selfies might seem like a creepy proposition. But in reality, it’s a great way to make money – even if you feel uncomfortable with the idea. Feet pics are a niche where there is demand and not much supply. And because of this, it’s a great opportunity to make some cash from taking photos of your toes. Whether you have big, red toenails or simply like painting them that way, we all appreciate seeing attractive feet. This means that there are many people who would pay to see pictures of someone else’s feet. You just need to know how to sell them for the best price possible! Selling feet pics isn’t as weird as you might think and you don’t need to become some sort of porn star in order to do it. There are so many places on the Internet where these images can be sold for decent money. Let’s take a look at some of your options…
There are a few things you can do to make your feet photos more appealing to buyers. Firstly, make sure your feet are clean. This might sound silly, but it has to be said! Nobody wants to see grimy feet, and you’ll have a much better chance of selling your images if they are nice and tidy. Secondly, you should wear nail polish if you want, but try to avoid brightly colored toes. This is mainly because most people want to see natural, unaltered feet. They don’t want your feet to look like a rainbow, but some people do want to see a bit of color on your toes. You should also pay attention to your surroundings. Make sure that the place where you’re taking these photos is nice and clean. Nobody wants to see your messy room in the background of your photos.
This might sound weird, but smiling while you take your photos can improve their attractiveness dramatically. This is especially true if you have nice teeth. Smiling while you have your feet in the frame makes the photo seem friendlier, and people are more likely to want to buy your image if they think you’re a friendly person. There’s no need to be overt about the smile, but make sure to have it in the photo. This small change can make a big difference in the attractiveness of your images.
If you’re taking selfies, you might want to try a few different angles. Try taking selfies from different heights, paying attention to your background as we discussed above. Make sure that your feet are in the shot, but don’t try to keep them at a 90-degree angle to your face. One of the best angles for selfies is to put your phone on a table, then put your feet on the table as well. This way, your feet and toes are the focus of the photo and make the image much more appealing.
If you want to sell foot fetish photos, you need to make sure that your feet are clean. Take some time to trim your toenails and make sure that they are nice and tidy. Nobody wants to see black, crusty nails on their screen. You should also try to wear open-toed shoes when you’re out in public. It’s best not to have people see you with your foot in their face.
If you have attractive feet, you can make money by selling photos of them online. While some people might think this is a strange thing, others are willing to pay to see more of your toes. If you want to take advantage of this opportunity, make sure that your feet look their best. Keep them clean, wear open-toed shoes, and try out a few different angles for your photos. Finally, remember that foot fetishism is a real thing that people pay for. So if you want to make money from your feet, you will likely get lots of requests for photos. Be prepared for this, and find a way to balance your foot fetish work and other interests.
10 Things You Can Sell from Home to Make Money
Are you looking for an independent way of making money from home? Starting an online business is challenging for people as this side hustle requires a lot of time and energy.
But selling things from the comfort of your home is an excellent way to generate a passive income. But what are some of the best things you can sell from home?
We have come up with ten things you can sell from home to make money. These ideas don’t only let you declutter but also help you make ends meet. So here is a detailed guide to making money by selling things from your home!
There are endless possibilities of what you can sell from home to generate extra cash. With hundreds of online startups, finding online marketplaces for selling random objects from your home has become more accessible. Let us look into the ten best things you can sell to make money!
The online business models required many people to purchase monitors, keyboards, mice, and other computer accessories to boost their work efficiency.
But after the pandemic, people have switched to in-office jobs. As a result, things have gradually returned to normal, but many people have stacked computer accessories at home.
Offices constantly need to upgrade their accessories to provide their workers with better equipment. If you have extra computer accessories that are no longer in use, you can start selling them online!
All you have to do is take high-quality pictures of the computer accessories, upload them on sites like Etsy or eBay and wait for buyers to make a purchasing request.
If your child has outgrown the baby equipment, it is time to sell the used baby gear, furniture, bikes, clothing, and old toys online. You can post pictures of the baby equipment, price them, and wait for buyers to contact you.
You can join Facebook groups, craigslist, and eBay to sell outgrown baby equipment. These sites have their pros and cons. You can conduct thorough research to know what will work best for you.
Some online marketplaces are the best choice whether you want to declutter or sell your outgrown clothes. For example, you can sell gently used clothes on Poshmark, Etsy, eBay, etc.
Some sites let you exclusively sell used toys, shoes, socks, panties, lingerie, etc. You can simply create a store and start interacting with buyers.
Sites such as Sofia Gray, Sniffr, and Pantydeal let you make a profile where you can post pictures of your used panties and lingerie and price them.
Buyers can make a purchasing request and send you money via online bank transactions. Some buyers even request you to perfume the panties.
You can charge more for accepting such requests. This way, you can easily make money by selling used panties from the comfort of your home. Besides this, you can sell your old T-Shirts, band merchandise, or any piece of clothing you no longer use.
Home decor items are profitable products. For example, if you have an old decorative item, you can take a picture and upload it on various sites that let you sell used items.
You can also sell birthday, anniversary, or other celebratory items such as fancy ribbons. Besides this, people love to shop during the holiday season.
If you’re going to put up a new Christmas tree, it is time to sell your old tree on an online site! Such home decor objects can help you earn extra money.
If you’re creative, it is best to advertise your paintings, sculptures, or DIY objects. These are perfect items to sell from the comfort of your home. However, some trending arts and crafts, such as crocheting and embroidery-related work, can get you a higher price.
You can use your skill to make trendy pieces and advertise them on sites such as eBay, Etsy, etc. You can also join crafty Facebook groups to upload pictures of your arts and crafts. This also includes selling paintings, photographs, frames, painted vases, etc.
One of the best ways to declutter is to sell your old furniture. If you have old furniture stored in your garage or backyard, it’s time to take pictures and post them online.
You’d be surprised to know how many people are looking to buy used furniture. You must thoroughly clean the furniture, take high-quality pictures, price it, and wait for buyers!
Do you have an extensive collection of books collecting dust? You can free up space by selling these books on various sites. For example, you can set up an online store for selling used books and price them accordingly.
Once a buyer contacts you, you can ship the books and receive an online payment transaction. Moreover, if you have a collection of series such as Harry Potter, you can sell them in bundles to earn extra cash!
If you have extra yard tools and appliances, you can fix them and sell them online. It will help you declutter and earn you some extra money.
This idea works in seasonal changes. For example, in the summer, you can sell your snow shovels, while in the winter, you can sell your lawn mowers to make money from home quickly.
During the pandemic, many people started working out at home. If you have also bought gym equipment that is no longer in use, it is time to sell it.
You can sell gym equipment for a good profit. You must thoroughly clean the equipment and ensure the safety standards before you ship out the products.
People frequently upgrade their electronics. So, for example, if you have upgraded to a new smartphone or a laptop, it is time to sell the old ones.
You can use various sites for selling used gadgets. For example, Etsy, eBay, and Gazelle let you advertise and price your used gadgets.
Then you can receive the payment via PayPal or other payment options the sites incorporate. These products can let you earn a decent profit.
Moreover, they have a vast online market. Therefore, selling tablets, phones, headphones, and laptops is easier.
There are numerous ways to make money by selling home objects. Sometimes, you must think outside the box to have excellent money-making options.
For example, selling your used clothing, lingeries, and panties is an out-of-the-box idea but helps you generate passive income.
Besides this, many people use adult-friendly websites to sell customized content, including selling nudes, video clips, and audio clips. These are fantastic ideas for making passive income. You don’t have to work on the product or go out of your way to clean and package the product.
Such ideas will help you earn extra cash immediately. All you have to do is set up an online store, advertise the products, and wait for a buyer to make a purchase.
How to Prepare for a Financial Emergency: Your Loan Options
Sudden financial emergencies can instantly leave a person feeling taken off guard and vulnerable. A sudden shift in your financial situation, whether it’s a loss of income, medical bills, or emergency house repairs, can be very stressful.
Even the best financial planning and cash management abilities won’t save you from unforeseen payments that far exceed your monthly spending allowance. So, here are some loan options to consider when preparing for a financial emergency.
A personal loan provides funds in the form of a lump sum that is repaid in monthly payments, and along with paying the initial amount, you also need to pay the interest and fees. They can be used for almost anything, including vacations, weddings, home renovations, and emergencies.
And borrowers with good credit can get the best personal loans with low-interest rates and various repayment options. So, if you’re considering getting a personal loan in preparation for a financial emergency or when you need money right away, look for reliable lending sites to apply for one.
Payday loans are short-term loans that allow you to borrow small sums of money, such as a few hundred dollars. Payday loans, for instance, have extremely short repayment terms, primarily within two weeks or by your upcoming payment period.
However, payday loans are widely regarded as predatory due to their exorbitant interest rates. Thus, payday loans are ideal if you, as a borrower, require small sums of money and can pay back the debt within a short period.
When used responsibly, credit cards can be valuable tools in an emergency. The cash you can borrow is your card’s limit percentage or a fixed maximum number.
And since the cash advance is linked to your existing card’s credit limit, no additional credit check is required. In addition, credit card advances are ideal for cardholders that already have active credit cards in excellent condition and need only a small loan.
A title loan is another emergency loan that allows you to get cash quickly. You may be eligible for a title loan without requiring a strict credit check.
It’s a secured loan that uses your vehicle title as collateral, and if you don’t pay back the loan by the end of the loan term, the lender has the authority to seize your vehicle to settle the existing debt. It’s one of the best loan options if you wish to prepare for a financial situation that needs immediate funds.
A pawn shop loan is a secured loan backed by collateral, the item you bring in and leave with the pawnbroker. And while the sum you can borrow from a pawnshop depends on the item you use as collateral, the broker is likely only to offer you a portion of the item’s total market value.
Pawnshop loans mostly appeal to individuals who cannot obtain a traditional loan. So, if you cannot apply for a conventional loan, you can try a pawnshop loan whenever you need it for a financial emergency.
If you’re a small business owner or entrepreneur, you may borrow to fund your next business venture or to keep your business running. Besides, small business loans are available from credit unions, banks, and online lenders.
Small business loans are available to businesses such as hair salons, restaurants, and freelancers. So, if you’re one of them and in a financial emergency, you should consider small business loans.
Debt consolidation allows you to simplify your payments by submitting an application loan to pay off your debts, leaving you with a single monthly loan payment. And to get a debt consolidation loan that lowers your expenses, you must shop around for an interest rate lower than your credit card or existing loan.
You’re also much more eligible to qualify if your credit has improved since your last loan or credit card. When you’re eligible, your lender may pay your debts automatically or you may have to do it yourself.
Credit-builder loans are small short-term loans taken out to assist you in building credit. Unlike traditional loans, they do not require excellent credit to qualify because they are marketed to people with no or limited credit.
You can find a credit-builder loan in credit union lending circles, online lenders, and Community Development Financial Institutions. A hidden benefit of credit-builder loans is that when the loan is paid off, you receive a lump sum of money that you can use for a large purchase or supplement an emergency fund.
It’s a difficult pill to swallow, but financial emergencies can happen anytime. While saving for the best times in our lives is important, it’s also essential to plan for the worst. That way, you ensure you are prepared for a financial emergency in the future.
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