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| 5 Reasons to choose DoublePositive |
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Our DOUBLEconfirm™ process guarantees 100% contact ratio, 100% of the time.
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DoublePositive contacts and qualifies consumers immediately after they have expressed interest online. Consumers who qualify are only transferred once.
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You don't have to waste time chasing down cold leads. We make your phone ring with only double-verified, genuinely interested consumers.
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Time is money, and our leads save you both by eliminating cold-calling and providing the best ROI.
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Our rigorous process screens out consumers that don’t meet your criteria. If that doesn’t happen, we’ll gladly credit your account.
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| Referral Program |
Turn your contacts into transfers! Make sure you take advantage of our referral program. For every new client you refer who orders 50 transfers, you'll get 5 free transfers — a value of up to $500!
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| DNCSolution |
DNCSolution is a family of Internet-based products that handle the full range of Do Not Contact (Do Not Call, Do Not Fax, Do Not E-mail, Do Not Mail) compliance. DNCSolution also addresses the privacy directives and opt-in/opt-out preferences of your prospects and customers. DNCSolution.com
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| Leads360's |
Leads360's lead tracking software can give you visibility over your sales force and get valuable insight into your contact ratio. Contact Leads360 today and learn how we can help you increase your contact ratio by more than 20% in the first month. Call 1-888-508-4462 or visit Leads360.com
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This week I had the chance to chat with David R. Leuthold - CEO and President of the Premier Institute for Financial Freedom - about the changes currently facing the industry.
Check out the highlights from our conversation below, and have a great weekend.
[~rep~]
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There is a new segment of the population that is increasingly getting into debt; the senior citizen group. As opposed to the younger generations, who are often driven to debt through their desire to live a certain lifestyle, this group is beset by debt more due to the basic necessities and the altruistic need to help their children. This group faces a number of financial challenges, including rising healthcare insurance premiums and costs, which often cause them to turn medical debt into credit card debt.
The Bankruptcy Reform Act was a significant piece of legislation, but I really didn't see a need for it. The need for the act was based on the premise that large numbers of people were abusing the bankruptcy laws by filing when the need was not really there. I believe the studies that show such abuse was minimal; that most filers had legitimate needs, and the result of the new law has just made it harder and more expensive for those that need the protection bankruptcy can offer.
Another big change was the IRS determining that administering a debt management (credit counseling) program was not grounds for tax exemption. That is fostering the need for for-profit companies to get into the business of administering a debt management program and causing many formerly non-profits to lose this status.
Close to me has been the rise of the debt settlement business. Virtually unheard of 10 years ago, and still in its infancy, it is providing another option for those who are facing a financial crisis. Without debt settlement the only options were a debt management program, which often was not affordable, or bankruptcy, which often carried a lot of undesirable, long-term side effects. At least now there is another option available for the consumer. While all creditors do not view debt settlement in exactly the same way, more creditors are recognizing debt settlement as another valuable collection arm.
Individual debt loads are increasing all over...senior citizens, the middle age bracket and college age. Hardly a day goes by that there isn't another article on this topic. And the numbers are almost beyond comprehension. For example, revolving credit, which primarily is credit card debt, is around $907 billion. And total consumer credit stands around $2.5 trillion. How can anyone comprehend those numbers?
I see more people getting into higher amounts of debt. Economics will drive a lot of that, but it will be also fueled by more innovative programs that will be developed by the credit industry. So really, the next two years shouldn't be much different from the previous ten years, except for the additional fall-out from the mortgage industry crisis that will continue to hurt many homeowners in the next couple of years.
Consumers of all ages need a better understanding of money, debt and credit, in conjunction with recognizing the balance between today's "wants" and tomorrows "needs." There are a lot of books and articles out there regarding this, but so far little has been effective in getting through to the public at large.
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David has been in the debt industry since 1997. While he is currently at the helm of the Premier Institute for Financial Freedom, he is known more for his role as CEO of Century Negotiations, Inc., a leading debt settlement company, and as a Board member of TASC (The Association of Settlement Companies). His companies provide education and program assistance to persons seeking to enhance their personal financial situation through the reduction or elimination of their interest-bearing debt.
David was also instrumental in developing a national seminar program that focused on these issues and is currently offered primarily through the non-credit classes sponsored by colleges and universities. David has a B.S. in Accounting from Penn State. Prior to his career in business David was an auditor for the U.S. General Accounting Office and served as an executive on the President's staff Washington, D.C.
David R. Leuthold
DavidL@centuryni.com
www.centuryni.com
CEO Century Negotiations Inc.
N. Huntingdon, Pa.
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Sean Fenlon |
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| After attending the TARGUSinfo Lead Quality Summit, the thing that surprised me the most was that even professionals in the lead generation ecosystem continue to speak different languages to one another.
Full Story
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Kim Lustig |
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| Last week, Geosemble, a geospatial data integration company launched a new lead generation service that uses a satellite program (similar to Google Earth) to generate highly targeted sales leads. Here’s how it works: the satellite takes its images and identifies houses with swimming pools, driveways and roofs in need of repair, empty backyards, etc.
Full Story
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Clarity Training Group |
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Refrain from speaking negatively about your competitors. Instead, try offering the competition some praise. It is professional, courteous, honest, objective, and hardly what your borrower would expect.
Finding out what the client likes (or does not like) about their present lender or a competitor is paramount in locating your sales angle. For example, if they like the service they get now, they will love the level of service they are about to receive from you.
Client:
"I have always preferred to work with my bank down the street."
You:
"Frank, I completely understand - working with someone you know and trust is important - in fact I've been with my same bank my entire life. Banks are wonderful for savings and checking accounts, money markets and CDs.
"I like to think of my bank like the family doctor. My doctor is a great generalist - he knows a little bit about a lot - but if he finds something wrong, he sends me to a specialist. Frank, I specialize in mortgages - it's what I do.
"Now, there is certainly something to be said about knowing the name of the person behind the counter at the bank - but when was the last time that your bank called to let you to know you how you could improve your financial situation?"
Similar approaches can be used for countless purchase or refinance scenarios. Ripping on the competition only communicates to your client that you are an amateur, and/or that you feel threatened that they might talk to someone else about their mortgage.
Clarity Training Group provides professional sales training and consulting services to the mortgage industry. For additional information, or to schedule Clarity Training Group to work with your sales organization visit us online.
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BuffaloBusinessFirst |
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| Debt Resolve Inc. has walked away from a deal to buy Creditors Interchange Receivables Management LLC.
Full Story
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SpringfieldBusinessJournal |
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| More borrowers are falling behind on their residential mortgages, according to the National Delinquency Survey, released Sept. 6 by the Mortgage Bankers Association.
Full Story
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TheColumbusDispatch |
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| The proliferation of no-money-down home loans during the past few years, coupled with the current housing downturn, is giving rise to a new way of thinking: People will risk losing their homes while doing everything to keep their credit cards.
Full Story
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DallasMorningNews |
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| Countrywide Financial Corp., the largest U.S. mortgage lender, said it's altering the terms for 35,000 home loans this year to avert foreclosures.
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BostonHerald |
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| The Federal Reserve’s recent bid to boost the economy by cutting interest rates has apparently backfired when it comes to mortgages.
Full Story
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1030 Hull Street, Suite 300 | Baltimore, MD 21230
888-376-7484
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