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The most effective debt collecting email I ever wrote

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Re: The most effective debt collecting email I ever wrote

#21

Earlier quoted context omitted.

I thought it was pretty standard for accounts to be joint. If you can't trust your wife with a bank account, why did you marry her!?

It is standard; my wife and I share our accounts freely. I was just attempting sarcasm because it seems that all the women I personally know are compulsive spenders, especially in the shiny makeup/polish/perfume aisles... Even if she spent everything in our account, that would still never be a reason to not be/stay married to her. Money/spaending is one of the least important things to get in a fuss about in a marria…

"especially in the shiny makeup/polish/perfume aisles..."

as opposed to the shiny computer hardware aisle, which is obviously totally different.

Re: The most effective debt collecting email I ever wrote

#22
post #3

Interesting as it introduces the emotional side into it and re-inforces that the person believes the relationship to be something of value. I often find that the people who owe me money are the closest to me - they ignore the small charges that I had passed to them, or they forget them. I don't think its malicious, but there must be something in peoples psyche that makes them think you've done a favour. What I have n…

And it manages to get emotional without personal attacks and judging their values. That lets the people change their behavior without admitting to themselves that the situation might have been caused by a personal defect, which means one less barrier to payment.

Re: The most effective debt collecting email I ever wrote

#23

Earlier quoted context omitted.

What husband gives their wife access to the checking account? That's just begging for missing money... ;) EDIT: I think people missed the sarcasm...

I thought it was pretty standard for accounts to be joint. If you can't trust your wife with a bank account, why did you marry her!?

I generally agree with you. Although small personal accounts might be nice for small purchases where you didn't feel like discussing it with the other person. Disclaimer: I'm nowhere close to being married, so this is an idea from personal observation and feelings.

Re: The most effective debt collecting email I ever wrote

#24

A lot of arguments can be avoided by delving into the scary but true, raw but honest emotional side. I learned this from a great consultation. Take this example interaction: Husband: "There's $500 missing from our checking account." Husband (unemotionally-oriented, bad): "What did you spend it on?" Husband (Good): "I'm worried about where the $500 went." Always tell people how you feel. Human beings have emotions. Co…

> A lot of arguments can be avoided by delving into the scary but true, raw but honest emotional side. I learned this from a great consultation.

I'm surprised no one has counter-pointed this yet, but I've found that a lot of arguments can be created by delving into the scary, raw emotional side. Although they are honest reflections of one's emotions, they may not be a correct or reasonable reaction to the situation. Such emotional revelations can provoke an equally emotional reaction from the other party, with similar reasonableness problems. This can then go any number of directions after that, from a new found emotional closeness to a guns-blazing tear down of one another. Whichever it is, be assured that the people involved are not thinking, only acting. Many more people are hurt or killed out of an outburst of raw emotion than are out of an outburst of rationality.

This also seems to assert that, by wanting to avoid arguments, arguments are to be avoided at all costs. If so, why? If not, which arguments are worthwhile having? I have seen a lot of good ideas, a lot of novel ideas, come out of an argument from two people who aren't averse to intellectual jousting. It seems unlikely these ideas would've formed if these people had spent their time instead making sure conflict is minimized.

> That is how people connect with each other.

This is not the only way people connect with one another, although it may be the most prevalent. Many of the connections I make with people are based on an intellectual rather than an emotional connection. We find enjoyment in discussing ideas based on their own merits and evidence we've discovered, not based upon the emotional reaction they invoke in one or the other parties. Knowing how people feel about ideas says almost nothing about whether they are correct, and that correctness is what interests me more. My goal in all my relationships I have is learning, maybe about the other person to a point, but also about the larger world with the other person serving as someone with which to test the ideas I come up with, and me likewise for them. Perhaps there is an emotional component there in the larger friendship, but it is not the facilitator of the individual conversations.

I hope you aren't making implications in this direction, but I can't help but feel that you are blaming the people who are less emotionally driven for the distance and disharmony in society. To quote the author Sam Harris, who I think phrases this quite well: There is no society in human history that ever suffered because its people became too reasonable. He is talking about religion, but I think it applies equally to all things.

Re: The most effective debt collecting email I ever wrote

#25

The best medium for debt collection is the telephone, not the computer.

I agree. A calm call asking them when you can expect payment can work wonders. See also Len Sklar's "The Check is NOT in the Mail" for how to manage collection starting with your credit policy. http://www.amazon.com/Check-Not-Mail-Without-Customers/dp/09...

Re: The most effective debt collecting email I ever wrote

#26

Earlier quoted context omitted.

What husband gives their wife access to the checking account? That's just begging for missing money... ;) EDIT: I think people missed the sarcasm...

I thought it was pretty standard for accounts to be joint. If you can't trust your wife with a bank account, why did you marry her!?

In my parents time perhaps, but not in my experience. Not one of my circle of married friends have such an arrangement. As for my marriage, we own our own properties, cars, share portfolios, other investments, and maintain separate bank accounts. We throw a set amount into a kitty each month for living expenses, but everything else is by negotiation.

Why? Probably because the average age for a bride is now 29 and a groom 31. At this point you've spent a decade in the workforce and have achieved a certain degree of independence. This kind of arrangement reflects that. For us there was never any question.

Re: The most effective debt collecting email I ever wrote

#28
post #26

Earlier quoted context omitted.

I thought it was pretty standard for accounts to be joint. If you can't trust your wife with a bank account, why did you marry her!?

In my parents time perhaps, but not in my experience. Not one of my circle of married friends have such an arrangement. As for my marriage, we own our own properties, cars, share portfolios, other investments, and maintain separate bank accounts. We throw a set amount into a kitty each month for living expenses, but everything else is by negotiation. Why? Probably because the average age for a bride is now 29 and a g…

"everything else is by negotiation" could either mean: we functionally share our finances - but for tax/legal/convenience reasons we choose to keep seperate accounts...

My experience is the opposite - generally the major part of finances are shared and there are small accounts on the side.. (things like cars etc are usually "owned" by a single person - but that's more of a convenience)

Re: The most effective debt collecting email I ever wrote

#29
post #24

A lot of arguments can be avoided by delving into the scary but true, raw but honest emotional side. I learned this from a great consultation. Take this example interaction: Husband: "There's $500 missing from our checking account." Husband (unemotionally-oriented, bad): "What did you spend it on?" Husband (Good): "I'm worried about where the $500 went." Always tell people how you feel. Human beings have emotions. Co…

> A lot of arguments can be avoided by delving into the scary but true, raw but honest emotional side. I learned this from a great consultation. I'm surprised no one has counter-pointed this yet, but I've found that a lot of arguments can be created by delving into the scary, raw emotional side. Although they are honest reflections of one's emotions, they may not be a correct or reasonable reaction to the situation.…

That reminds me of the following statement: (I'm probably paraphrasing here -- my Google-fu failed me)

Your arguments can be driven by your emotions but your emotions cannot be your arguments.

Re: The most effective debt collecting email I ever wrote

#30
post #26

Earlier quoted context omitted.

In my parents time perhaps, but not in my experience. Not one of my circle of married friends have such an arrangement. As for my marriage, we own our own properties, cars, share portfolios, other investments, and maintain separate bank accounts. We throw a set amount into a kitty each month for living expenses, but everything else is by negotiation. Why? Probably because the average age for a bride is now 29 and a g…

"everything else is by negotiation" could either mean: we functionally share our finances - but for tax/legal/convenience reasons we choose to keep seperate accounts... My experience is the opposite - generally the major part of finances are shared and there are small accounts on the side.. (things like cars etc are usually "owned" by a single person - but that's more of a convenience)

we functionally share our finances...

I've definitely got one mate like that, but plenty of others are the opposite. Sounds like we're probably not representative of the bulk of married couples though.

In our case, by negotiation really does mean by negotiation: XX wants a new couch. XX either convinces XY a new couch is a great idea and we split it, or XX buys the couch. Works the same way when XY wants to concrete the carport.

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