A guide to celebrate your kid's graduation

For parents, it is quite exciting to see their kid graduating from college or high school. Your best graduation wishes are with your kid on this joyous occasion, but you can make it more happening and happy. How? By throwing your kid an amazing graduation party.

Not sure how to do that? Well, read this guide and it will be clear.

1. Ask your kids what kind of party they want
The first thing you need to do is ask your kid whether he/she wants a big party with all relatives, close friends, and family members or just his/her friends.
Ask this as it will help you decide the venue and menu and so on with ease.

2. Send out the invites 
If you are celebrating the graduation on a big scale, why not send out invites as well? You can opt for a video invite which you can e-mail to your friends or family. Or you can go for a simple and casual print invite and post it. But make sure you ask people to RSVP so that you can set the menu according to the number of people coming.

3. Date and venue
Keep the party on a weekend so that it becomes easy for people to fly in for your party. As for the venue, you can do it in your backyard. A simple brunch on a weekend after the graduation day is a great way to celebrate the joyous occasion.
If you have a guest list with people or friends of your child overlapping with his/her friend, consider throwing a joint party. This way you can celebrate it on a bigger scale and rent a big venue too.

4. A small party only for family members
If your graduate doesn’t want a big party with all relatives or friends, but a simple celebration with his/her best mates, siblings, and you, then plan a party cum trip.
It can take quite a few forms:

• A small weekend trip, or hiking trip with grad’s close friends and family.
• A family trip

5. Menu
If you are hosting a big party or a small one instead of going on a trip, you mustn’t plan the party around mealtimes. It can cost a lot, instead keep the party around brunch time or around evening snack time.
Have a cake which is enough for the entire guest, customize it according to the occasion, and have beverages according to the age of all people.

6. Decoration
Keep the decoration simple, a congratulation banner or happy graduation banner. Some balloons and floral arrangements and so on.

7. Entertainment
You don’t want the party to be boring; you need some form of entertainment. Some tips:

• Have a photo booth and some props. Kids will love it, and even adults will have a gala time.
• You can also have games like charades or volleyball or so on.
• Play a video montage including all the memories from childhood till graduation day and so on.

Keep these tips in mind and have a great celebration for your young one!

6 ways to make your friend feel special

Friendship is a special relationship that makes us cry and laugh, sometimes at the same time. No matter, whether you are best friends or a simple friend, every person you call a friend and have proven to be there with you through thick and thin deserves gratitude and appreciation.

We don’t express gratitude or tell our friends enough how much they mean to us, but you should. Efforts are the fuel that will help keep the relationship alive for long. And you don’t have to big things like gifting them expensive things to tell them what they mean to you.

Simple gestures and being there for your friend when they need is enough. Here are some tips that can help you express your love to your friend daily.

1. Send them a good morning text daily
Make sure to disturb your friend always, it will help them smile, or get annoyed; in any case, you will always be in their mind. So, send a good morning SMS to your friend and a good night's message. It can be a text or a quote, and you can send it alternate days. But make sure that you send this type of message, especially when they are sad.

2. Give them a sincere compliment
You must keep complimenting your friend. But make sure that the compliment is genuine and not fake. Appreciate them or compliment them on a quality that is unique to them and something that they don’t hear often.

3. Encourage them especially when they are feeling negative
 If your friend is in a negative space or facing a situation which is making him depressed or see him/her in a negative light, encourage them. A few kind words of inspiration can help them see the right path or see positivity in every situation.
If the need arises, drag your friend to see a therapist because it is the right thing to do, especially if they are not being themselves.

4. Hug your friend
Why do you need a reason to hug your friend? Do it often and without reason and hug them tightly on occasion when they are feeling sad. When you hug them, it will release their stress and can lighten their mood and make them feel happier.

5. Cook for them or order their favorite food
If you live with your friend, one of the best ways to show your love, appreciation, and gratitude is by cooking their favorite milk for them. Or you can make them a big cup of their favorite beverage-tea or coffee.
If you don’t cook or are busy, order their favorite dish from their favorite restaurant. These small gestures can mean a lot and can make their day.

6. Simply listen
Most of us want to have a person who we can talk to about anything without judgment. Be that friend to your friend, when they have something to share, give them your undivided attention. Don’t use your phone, make eye contact, and listen before you make any assumption or proceed to give them any advice.

A friend is someone who we can count on even in the worst of circumstances, it is important that we show our love and appreciation towards with them through small acts daily.

7 ways to make your boyfriend feel special

If you think that it is only a man’s job to make you feel special, then you are wrong. If your boyfriend or partner is feeling down or sad or upset with you for any reason, you should make him feel better.
Don’t think the traditional way that all these things should be done by a man only. Even without reason, you should make your man feel special and thank him for taking care of your every need and listening to every tantrum. It is one of the best ways to maintain a healthy relationship.

Also, start your day by sending a good morning message to your boyfriend, especially when he is feeling down. Here are some other ways to make him feel special.

Here is the list of thing you can do to make him feel better

1.    Compliment him
When your boyfriend or partner does something special for you or does something which affects you positively, compliment him. It will make him feel special that you have noticed their efforts.
Also, make sure that the efforts are natural and genuine, even if they are only one or two. Don’t give fake compliments, because people can figure that out with ease.

2. Give them attention 
We girls love attention and if our partner forgets to focus on us and give attention to someone else, we get really upset. Well, men won’t say, but they too love it when you give them attention. When you give them your undivided attention, they will feel special and important. Especially, focus your attention on them when you find them feeling down or upset.

3. Take him out for dinner or lunch
Plan a date night and take your boyfriend out for lunch or dinner at his favorite place. Let him order anything he wants or order all his favorite things in the world.
Also, since you planned the date night, don’t be hesitant to pay the bill.

4. Surprise him
Surprise him with a little gift that holds something of value to him. You can also take him out for a little trekking or camping nearby. Plan a game night with him or invite his friends along.
You can even plan a long drive with him with all his favorite music playing in the background; you can chat and enjoy each other’s company.

5. Be affectionate
Be affectionate towards him. Hold his hands in public, introduce him as your boyfriend, and give him lots of hugs. When your purpose is to make him feel special, don’t criticize him for a small mistake.
Also, when having a romantic moment together, don’t bring up past mistakes or fights that are bygones now.

6. Stand up for him
If someone from your friend or family group is criticizing your men for no reason, you need to stand up for him. Support your men and defend him as no one has the right to throw stones at him without any reason.

7. Encourage them to talk
Men don’t talk about their fears or anxieties. That is why when your man is down or feeling sad, you should encourage him to talk and be there for him no matter what.

A relationship will be healthy if both parties work on it, so keep making efforts to make your man feel special.

5 ways to make your girlfriend feel special

If you have a girlfriend, you must make her feel special. Especially, try harder if you feel the charm and attraction between you two have disappeared or reduced. You may find that your partner might be behaving cold or distant, and if that is happening, it can be because of this reason. You are taking her for granted and not treating her the right way. If this is the case, do something nice to make her feel special. If she is happy and loves it, she wanted more attention and care.

Not sure, what else you can do to make her feel special? Well, these tips might help.

1. Send her cute messages/text
When our days start with a beautiful message and end with a loving text, we do feel special, especially if the person who sent it is someone we adore. Text romantic good night messages to your girlfriend, instead of a simple Good Night. It will make her feel special, bring a smile to her face, and make her remember you instantly. Do the same in the morning, you don’t have to do this every day, but once a while, this sounds nice.

2. Look at her lovingly when talking to her
It is a known fact that when we look into the eye of the person we are talking about, it means we are interested in hearing what they are saying. So, the next time you talk to your girlfriend, make sure that you look into her eyes and hold it. Don’t look here and there, but look into her eyes and make sure that when she is talking, you seem interested and proud of her.

3. Show affection to her in public
It is easy to hug your girlfriend or tell her how much you love her in private, but if you really love her, you would have no problem admitting it publically, especially in front of your friends. So, introduce her to other people like your girlfriend or hold her hand while going to malls or to a restaurant or so on. When you show affection to her in public, it shows that you are proud of being with her.

4. Take her out on a romantic date
If you two have been dating each other for long, sometimes the spark and passion can fade. To make sure that it doesn’t, keep taking her out on romantic dates. Or if she plans a date with you, don’t keep canceling her.
You don't have to go to a fancy restaurant to make each other feel special. A romantic candle-light dinner at home where you cook for her (It can even be Maggie, but she will appreciate the effort), and you dance and talk is enough to make her feel special.

5. Give her surprises
You can also give her cute little surprises to make her feel special. Gift her, her favorite flowers or gift her book that she has been meaning to buy for long or something like that.
Don’t ever stop trying, once we get comfortable in a relationship we stop trying. This can cause a problem and it goes for both people involved.

Data Security Measures For Your Business

Data is critical to a company. Hence, data security becomes an important part of business operations. A lot of technological advancements have taken place in the cybersecurity industry. Apart from installing state-of-the-art security software, there are other simple measures that you can take to protect your business’s data. Below are some of the methods if implemented, can significantly reduce security risks in your organization. 

Password selection

Enforce strict guidelines for your employees to set strong passwords. Encourage them to create passwords with a combination of lowercase letters, numbers, symbols, and uppercase letters. You can also educate your employees about the risks of sharing passwords through emails, messages, chat forums, etc. Password generators can also be used to generate strong passwords.

Antivirus protection

Malware, spyware, Trojans, etc. can easily get into your computer’s network through other files or links. Install good antivirus software that can scan the entire computer and catch infected files. Another option would be to install firewalls on your business devices. Keep updating this software or firewall so that you have the latest version installed always.

Phishing emails

Hackers have started sending phishing emails to get into a company’s network. A phishing email generally has a link in it, which if clicked gives complete access to the hacker. You should educate your employees about such hacking attacks. Make sure that you conduct security training periodically so that everyone is aware of safety measures.

Data archiving

Hacking attacks, server crash issues, etc. can happen to any business. Thus, it is important to archive the important web pages of your business. This ensures that all the sensitive data is protected and safe. God forbid if any mishap happens, then you can access the archived data to get your business back on track. A lot of third-party archiving solutions are available in the market that you can choose from. Make sure that you get the process automated so that everything happens at the backend.

Security Audits

Most of the businesses generally forget to audit the security systems. Like financial audits, a security audit helps you in finding vulnerabilities in your company’s networks. If any issue is found during audits, then you must rectify it immediately. Regular audits keep you aware of possible threats. You can update your safety systems accordingly to prevent data loss or hacking attacks.

Employee training

Even though you have installed all the latest security measures, employee training is a must to safeguard the business. Create security and integrity guidelines for your company and train all your employees in it. Keep doing refreshers throughout the year so that there are no misses. Designate point-of-contact for reporting phishing emails or suspicious behavior. If everyone in your organization follows a standard protocol, then the safety of your business strengthens automatically.

Conclusion

Protecting the business from malicious attacks isn’t easy, but is necessary in this fickle world. By implementing the security points mentioned above, your business will be better equipped to face any security threat. Do share your ideas with us in the comment section below.

Tips on writing a great captions for Instagram

How to get more Instagram likes? Well, one of the many ways to do that is by writing beautiful, unique, and attractive captions that capture the attention of your audience, and urges them to like the post, share it, and follow your account.

The caption gives voice to your visual content and is great for making a connection with your customer and marketing your account. A caption is a medium to tell your audience about the post, explain it, and convince the users to take immediate action. Captions are a great place to add CTAs, which is what encourages the customer to go your blogs or buy your products.

 

In this blog, we will learn some tips to write a great caption.

1. Keep writing drafts, until you find the perfect caption
A lot of times, we think of a perfect caption after we have published our posts. To avoid doing this, you should take enough time to come up with a caption that is perfect for your post, relevant, and which explains your sentiments.
You will have to write a lot of drafts for that show it around to your colleagues or friends or family, and then choose one amongst them which is the best.

2. Add a call-to-action button
Another thing to add in your caption is CTAs as it is one of the best ways to engage your followers and encourage them to take action. CTAs are action verbs that urge people to take action, like open the link that you mentioned or an app or so on. Here are some great ways to add CTAs:
Ask your audience a question: it will make people comment and start a conversation. If you reply to their comments, you will increase the engagement rate of your posts.
Ask people to click on your URL directly: You can only post clickable URL in your bio. So, you need to keep updating it according to your latest project and so. Thus, in your caption, you can directly ask people to open your link or follow your app and so on.

3. Use relevant hashtags but limit yourself to four or five hashtags
Hashtags are great because it lets people find you even if they don’t follow your account. So, use hashtags and make sure that they are popular and relevant to the content. Also, you can use branded hashtags as they can help you make an identity for your brand. The only you should remember is to use 4-5 hashtags per content. The limit is thirty, but using too many hashtags is of no use. Using too many hashtags will make it look spammy, which is something that you don’t want.
Another point to remember is that unless the hashtags fit with your content, you should use them only at the end of your caption.

4. Use emojis in your caption
Emojis are a great way to connect with your audience and it adds personality to your caption as well. Choose from the varieties of emojis available according to your content.
Follow these tips to write a beautiful and unique caption that attracts and encourages the audience to like your post and follow your account.

The dos and don'ts of making a digital business card

With everything going digital, how can business cards remain behind? Business cards or visiting cards are a small piece of card that people give to prospective clients so that people can contact them when required.

Nowadays, the trend of digital business cards is becoming more popular. It is not different from a physical business card, it is the same, but it is digital, and you can create it using a website or an app. You can also get it in a physical form, but having a digital business card is better as it saves paper, and also you don’t have to worry about carrying them with you everywhere you go.
But you must know how to create a digital business card to make sure it works for you. Here are
some dos and don’ts for making a digital business card.

Do’s
1. Add a note to make the business card a little personal
 A digital business card is still something new thus you must make it a bit personal before sending it to a client. Include a simple note that makes the customer feel special; they should not feel that they received a generic card. The note can be simple, but explanatory like “It was a pleasure doing business with you. I am attaching my contact details, and I look forward to doing business with you”. You can change it, but the gist of the note should be like this.

2. Design the digital business card well
 A business card is quite important for your business, and whether it is physical or digital, it should not affect its importance. Thus, make sure that you design the business card in a manner that everyone is proud of it, especially you. Keep improving it until you feel like it is the best version and defines your brand and its goal and has all the information about the same well.

3. Practice sharing the card
Sharing a digital business card is a bit different than a physical card. That is why you should first practice sharing it with your friends or colleagues so that you don’t make a bad first impression on your client. Once you are familiar with the process, it will be a piece of cake.

4. Use a headshot
 A professional headshot used in your digital card is important and can increase its effectiveness by 40%. And your business card needs to look professional and represent your brand well.

Don’ts

1. Never use an unprofessional picture
It is important that you use a picture that makes you look like a professional. You cannot use a picture from a vacation or dinner party.

2. Don’t forget to upgrade your details in the card
You will keep changing jobs or your house or your phone. If there is a change in your job or contact information, you need to update your business card immediately. You cannot give people a card with old details; otherwise, they won’t be able to contact you.

The time is changing and with that, you have to change too. Having an NFC or digital business card can work for you and you must explore this opportunity once.

How can you avoid accounts uncollectible?

The main work of a debt collection agency is to recover the debt that a delinquent owes to a creditor. They take accounts from creditors and work hard to recover the outstanding payments. They take commission only once they recover the debt.

But there are some accounts that are hard to collect and can also become uncollectible, and there is nothing anyone can do about it. But if the creditor and the debt recovery agency like Cedar Financial recognize such accounts before only, something can be done about it.

In this blog, we will talk about accounts uncollectible, and what to do about it.

Accounts uncollectible

Accounts uncollectible are also called uncollectible debts. They are those accounts that have zero chances of getting recovered. The reason behind this can be:

• The customer’s ability to not pay
• Unable to reach the customer
• The consumer declared bankruptcy or disputes the debt
• The statute of limitation on the debt is over

Indeed, sometimes you cannot recover a debt and it becomes uncollectible. But you can take measures to make sure that debt doesn’t reach the stage of becoming an uncollectible debt, and has no serious repercussions for the creditor.

The reason behind a debt becoming uncollectible is simple- the creditor took too long to take a collection solution. The more you wait, the higher the chance is that a debt can become a bad debt, and you would have to write it off.

Tips to avoid accounts uncollectible

1. Take prompt action

When the customer hasn’t paid for over 90-180 days, you should hire a third-party debt collection agency. You mustn’t waste time and hire the collector on time otherwise; it is a race against time to recover the debt quickly before it becomes uncollectible.

2. Reach out to customers and give them time to pay you back

If you give enough time to the customers, they might pay you back. Thus, before taking any serious action, make sure that your customers are aware of the debt and what it can do for their credit score. Make sure you provide them with some time to pay the bills before you send their deb to collection or sue you.

3. Provide them with multiple payment methods

 It is also important that you let the customer pay you back using the means that they are comfortable with. Don’t only demand cash and check, if they feel more comfortable making an online transaction or if they want to pay with their credit card, let them.

4. Analyze each call

To make sure that you recover the debt, analytics is also important. You need to make sure that you have a detailed record of all the calls that went out to each debtor and note how the conversation went. If you can figure out which call was persistent and had more engagement, you can figure out which account is likely to pay fast.

Don’t wait longer than you have to; hire a collector on time so that no debts become uncollectible.

5 Myths about debt collection that you need to stop believing now

Most businesses that write-off their debt can save their cash flow, and recover their outstanding amount, if only they agreed to hire a debt collection agency. A debt collector has immense knowledge and techniques to their advantage that helps them in recovering the debt successfully.

But some businesses don’t believe in hiring a debt collector because they believe the old age rumors about a collection agency. Myths like they are aggressive and abusive (not all collectors are, some dishonest collectors have to lead to this myth), and so on. That is why in this blog, we will try to bust these myths.

Myth 1: Debt collection is an expensive process

The reality is that most debt collection agency works on a commission model. They only take a 25%-45% commission from the amount that they have recovered. And if they don’t recover the debt, they don’t take money for it. It is pretty affordable and profitable as compared to you writing the debt-off. Writing off a receivable will probably cost you more loss.

Myth 2: Only big enterprises hire a debt collector

It is completely untrue. A lot of small business owners and startups hire a debt collector too. They help them recover the debt, which leads to increased cash flow. A small business owner has so many responsibilities and limited time and resources. Thus, hiring a third party collector who knows how to collect the outstanding amount is a better option for them.

Myth 3: Going for legal action is better than hiring a collector

Taking legal action against your customers should be the last resort you ever take. It is because it is a time-consuming and expensive process. Also, it can damage your relationship with the customer. Instead, go for a collector as they can help convince the customer to pay without damaging your relationship with them.

Myth 4: My customers won’t prefer their debt in collection

Yes, your customers won’t like that they have debt in collection, but it is only because they refused to pay. Till, you are working within the laws, and work with a collector who understands that maintaining a relationship with your customers is important for you, sending a debt for collection is not wrong. A customer will not like it, but they will understand, especially if the collector helps them pay the debt easily.

Myth 5: Debt collection agencies are best for old debts only

Not true, when debt gets old, it becomes hard to collect it. That is why as soon as your customer goes beyond 90 or 180 days without paying the debt, you should hire a collector. It will help you save time and resources and the percentage of recovering the debt successfully and quickly increases too.

Now that your myths about debt collections are burst, why not hire a reputable collection agency like Cedar Financial to solve your debt problems. Visit their website to know more about their process and hire them.

4 common invoice disputes and how to handle them

For a business that depends heavily on cash flow to sustain the business, coming across invoice disputes is a serious issue. Dealing with disputes over the invoice with your customers is not something any business wants to do. It is a long and frustrating process, which makes everything complex.

Most of the time the disputes over an invoice are something that you can deal with easily and in fewer times. But there are instances when the customer or the client is making an issue only to avoid paying you. If the case is such, you need to hire a debt collection agency to recover your outstanding payments.

You must take precautions to avoid such disputes. But knowing how to handle such disputes is important too, and we can help you with that. Here are five common invoice disputes and how to handle them.

Let’s look at these invoice disputes

1.  Goods with fault

If your client is telling you that the products you provided were defective or were not fit, firstly express your apology, and then ask for proof. You can offer them a replacement.

 But if the client had to use the product, ask them to still give you some proof, so that they can make sure that the product had faults. Also, tell them that the return products can help you to figure out if the whole batch is defective or just the ones they got.

If after proper investigation, you find that you were at fault, offer them a discount to maintain a relationship with your client.

2.    The work wasn’t satisfactory

If the dispute over the invoice is due to unsatisfactory work, ask the client what was unsatisfactory. Did the work didn’t fulfill the purpose, or maybe the client had other ideas about the project? If the client says that your service didn’t fulfill the project’s purpose, ask for evidence, and ask them how to rectify the same.

If they say that it didn’t deliver the results that they had expected, but the work was good. Check the contract and also let them know that delivery wasn’t part of their service, and you should get paid.
If they had other ideas about how the work will go, ask them to give you a chance to make it right.

3.    Not on time delivery

Until and unless there is a clause which states the time and place of the delivery, you deserve full payment. If you are late in delivering your product, you have to owe your mistake and offer some kind of discount to the clients so that both parties are content.

If due to late delivery, the products got spoiled as they were perishable, ask them to let you re-stock, and ask for payment for the new products only.

4.    Not able to pay

If the customer is unable to pay due to financial troubles, it can be frustrating to deal with. But you can try to make it work; by offering them a discounted price or letting they pay in installments.

You need to be a little flexible if you want your business to succeed and also to maintain relationships. If even after negotiating with the customer, he/she is unwilling to pay, visit a debt recovery agency like Cedar Financial to recover the outstanding amount.

A guide for recovering international debt for businesses

No business can run away from customers or clients who are late-payers or refuses to pay the debt altogether. While it is still easy for a business to collect a debt from a delinquent who is local to their region, it is extremely difficult to collect a debt from debtors who live internationally. Debt collection internationally is difficult because a business has no idea about the laws of that country. Collection laws in each country are different, and also a business has no right to recover any outstanding amount from international waters. But they can hire an international collection firm like Cedar financial for recovering their debt.

Still, it is better to prevent such debt and that is why you need to ensure that you perform the following checks.

Things to do before you offer credit to a customer

1.    Credit checking

You must check the credit history of the customer to ensure that they will pay the bills on time, and there are no outstanding payments. You don’t need permission to run a credit check unless the client is a sole trader. When you check the credit history of an individual or a business, you get information regarding their net worth, their credit rating, whether they have other debts, and if they are paying on time or not. All this will help you decide if the customer is trustworthy enough to give credit or not.

2.    Ask them to fill a credit application form

You must get the customer to fill a credit application form. It will provide you with information regarding the name of the company or the individual, their home and business addresses, contact numbers, and so on. It will help you get references from the bank, and other suppliers about their credit history.

If you want, you can add a personal directory to it, which states that in case of liquidation, the director of the business who is resisting the debt is responsible for it. This is crucial for credit control, and in case a debt collector is hired.

3. Check the references

Make sure you check all the references that you take from the customer. Search them on Google and make sure that they are authentic and genuine. Also, talk to their other creditors to get the knowledge about how prompt they are in their payments.

What to do when your international clients refuses to pay the debt?

The first thing you need to do is figure out the reason why the debtor is not paying you. It can be because of some business or financial issues or simply due to their forgetfulness. In both the case, if the delinquent refuse to pay or is in international waters and tracking him/her is hard, you should hire a debt collector. Also, if the debt goes beyond 180 days, you need to hire a collector who can collect the debt on your behalf.

A debt collector will work for you without any fee. They only take commission and that too after they recover the debt. They are familiar with all international laws and have offices in various countries that help them recover debt easily.

If you want to know more about the international collection agency, visit our international debt recovery page.

Instagram Do’s and Don’ts Infographic

Source

If you are account on Instagram, then you must know its do's and don'ts. Presenting an Inofgraphic. Must read this.   

Received a check that bounced? Here’s what you can do

Whether you are a debt collection agency or a business owner, receiving a cheque that bounced or a bad cheque is common and inevitable. As a business that deals with giving products to people on credit or lending a loan, you have to be prepared for a situation in which a cheque given to you by the customer or client will bounce. Now, most people assume that the reason for a bad cheque is an insufficient fund or no money in the account of the person who wrote the cheque. There can be other reasons too and you should figure out the reason for cheque bouncing first.

It is damaging for both parties involved as both parties incur a fee for issuing and receiving a bad cheque.

Here are some ways to deal with a bad cheque.

If the cheque you have received is bad or has bounced, you need to act quickly and here are some things that you need to do:

Track the customer and make contact with him/her immediately

The chances of a person writing a bad cheque intentionally are less, so when the cheque bounces, the first thing you need to do is contact the person. The cheque will have all information like the customer’s name, address, and phone number, use that to call him/her up, and inform them about the cheque bouncing. Ask them to pay you immediately using some other option.

If the customer seems reluctant or doesn’t respond to your calls or emails, hire a debt recovery agency. They can track the customer down and convince them to pay the money that they owe to you. Visit our website for collection services.

Cheque the state laws

Depending on the state where you live, you should cheque with the state department what rights you have if the cheque given to you by a customer bounces. In most states, when a customer unintentionally writes a bad cheque to you, you have the right to collect three times the amount of the cheque and the original amount from the customer. If the court agrees to the charges that the customer wrote the cheque intentionally, the lender can also ask the customer to pay the attorney charges as well. Treble damage is the name of this law, which lets the lender collect a bigger amount then the cheque’s original amount. It is viable if the customer doesn’t pay the amount within 30 days of getting a written request to pay the amount of the cheque that bounced.

Visit the bank

Pay a visit to the bank that is listed on the cheque as letting them knows everything will help you avoid bad cheque fee. Also, talking to a bank might work in your favor because if the customer has disappeared the bank can help you with the money.

The bank will decide what to do. If it cannot help you, move on to the last option.

Seek help from a collector

The last thing you can do is higher a debt collection agency. They can advise you on what to do next and also track and convince the debtor to pay the amount. They work within the law and are discreet and successful too.

Don’t fret when you get a bad cheque, follow these tips and things will sort out soon enough.

Have A Medical Debt In Collection? Read On To Find How To Negotiate The Debt

Having a medical debt collection service provider or agency calling you constantly to recover the outstanding patient bill you owe is no fun. Medical debt is fairly less problematic than other debts, but it still affects your credit score, and can also break you financially, if you are struggling with money.