Tag theda muller uae

There are thousands of you still lurking in the shadows, fighting your debt-crisis silently, hoping for a miracle, because I know you have tried all ways with no positive outcome, but today is where I redirect your focus, on how you arrived at this crisis and how to transform your life. The steps I am sharing will form the sound foundation you need to emotionally prepare yourself, to face your debt-crisis. There is absolutely no way when you are engulfed in emotional fear, with zero clarity or focus, including being insecure and unstable, that you can make informed decisions to act.

This advice is not ‘a pie in the sky’, or a ‘delusion of grandeur’, but the true facts, which are, creation of realities, i.e. you are responsible for your situation, because simply, you created it!

a. “How did I get into this situation so fast, without even noticing?

b. How did my business just spiral, why was I not focusing and wasting time and not noticing that I had not set an intention to achieve anything, I was just spending money unconsciously, probably assuming there was a ‘bottomless pit’?

c. Why did I not see any ‘red flags’?

d. Why can I not account for most of this expenditure in detail?

Because, when money flows, we lose our mind, we never stop to ‘maintain records, or even think about a rainy day and as fast as that money flows into your life, if you don’t respect it, you will lose it and it doesn’t matter if it’s thousands, hundreds of thousands or millions.

I know this, because it happened to me, except, I was spending my own millions, not someone else’s, but I also never focused on the fact that my money flow was not a bottomless pit, I was too concerned to meet the needs of Tom, Dick and Harry, until my flow was depleted, where the shock was, they were all nowhere to be found once my pit was dry!

We are human, we make mistakes, so beating yourselves up about it, will ensure you continue to regress, the doors will continue to remain close, nothing will move and the tunnel will seem long and dark with no hope, because that is what you are creating, just like you created your debt, or lost your money – Blame yourself, take responsibility and once you have clarity, set your intention and take the much needed action to save yourself and your life.

Many will say talking is easy, yes, it is, but put action into your words and thoughts and keep them positive, because you need to do nothing else but change your thoughts to change your world. Nothing remains dark forever, so unless you make that move to step out and take action, nothing will change, you will simply revolve around in circles, with no progress, worsening your situation.

When you don’t have a plan, you are lost, because then it means you have no direction, therefore no forthcoming solution and it’s a sad day when just around the corner, you could have saved yourself.

When you are down and out, learn to saturate yourself with books pertaining to achieving wealth, abundance, prosperity and new success in your life, forget about beating the old drums of how you got to your debt-crisis, because it’s gone, you must learn to move forward and put the old behind you.

I never stop emerging myself in improving my own knowledge and experience and just this weekend I picked up my favourite “Think And Grow Rich” by Napoleon Hill and it’s a book you should keep pushing yourself daily, because if you master the teachings in that book, you will master achieving tremendous wealth and transforming your life. So instead of prancing to the mall and spending money you don’t have on goods you don’t need, invest in this book, because it is a lifetime investment.

Let me share some significant points with you. There are six ways to turn desire into Gold, so follow those steps daily, no matter how depressed, suppressed and repressed you feel. Some powerful affirmations he shares in this book, that should resonate with those of you who live with huge hope, who know that you can transform your life, but maybe you don’t know how, so here they are:

“Every person who wins in any undertaking, must be willing to burn he’s ships and cut all sources of retreat…”

“You may as well know, right here, that you can never have riches in great quantities, unless you can work yourself into white heat of desire for money, and actually believe you will possess it…”

“When you begin to think and grow rich, you will observe that riches begin with a state of mind, with definiteness of purpose, with little or no hard work…”

“Before success comes in any man’s life, he is sure to meet with much temporary defeat…”

“I will never stop, because men say no…”

So, really, things are thoughts and powerful things at that, when they are mixed with a definiteness of purpose, persistence and a burning desire for their translation into riches. Which means that it doesn’t matter where you are right now with your debt-crisis, you can change your situation by changing your thoughts and the help you need will flow to you. This is not a fallacy, it is how the universe revolves for us humans who can connect at that level and somehow many of you remain clouded. I speak to many daily, but they are bent on rattling off their old story and beating their old drums, when they don’t realize, if they just stopped for 5minutes and listened to themselves, and remembered how many people they rattled that same story to, how may people stopped taking their calls or responding to their pleas for help, because most people will listen to your story, but they can’t get involved as they have their own lives and responsibilities.

The job is yours and only yours and nobody can do it for you and I am here to convince you, that your problem is miniscule versus the power you can acquire to be happy and at peace again. Just listen to yourself when you want to start on a rampage or rattle on about your problems and tell yourself, ‘nobody is really listening or want to help, because they have their problems’, I need to find the right solution for myself and start your daily practices, google, read up about transformation and start your new journey, because it’s that simple…

You can’t sway like the wind, first being co-operative and then not, because that same tide you’re creating, is negatively inflicting the lives of debtors who are really needing your help. If you want to see real change, then you must collectively start making a real concerted effort to realize that change, because recreating change with old habits is a door stopper!

So, here are a few real changes you need to revisit and apply:

1. If a debtor has presented their entire financial exposure, where they qualify for consolidation and/or restructure, but they’ve told you that right now they can’t meet the full overdues or high pending EMI’s, then I am sure you can make allowances to approve for them to pay a realistic partial overdue EMI and apply remedial to the remaining. Why is it necessary to apply victimizing actions and attitudes, including ego in most instances, just because you can? You don’t think that if you can recoup your organizations assets over a period, that you may just be able to see an improvement that would ensure you of some form of future stability? Or don’t you care? Don’t you assume that one day you could arrive at your office to find out that it is no more?

2. If the debtor has visited your office, met with you, is willing and able by presented commercial statements to meet he’s liabilities and you have done your due diligence and considering remedial, then on the flipside, why is it necessary for your team to continue calling the customer 58times in 20minutes most days?

3. In addition, to bounce their guarantee cheques and file legal action, whilst the case is submitted for review and approval by your management? Why are your systems not updated with this activity whilst the customer is awaiting your feedback? There is no consistency or handover from one months allocation to the next, regardless if you profess that all interactions with customers are recorded, it’s clear the ones where the customer requested help is not, because a remedial request can be pending from 6m to 1year, simply because how many really take an interest except to secure their target, then the same cycle continues with the next collector allocation.

4. Why once the legal action is completed, do you not follow your legal procedures, but instead harass the customer at their workplace, knowing that if your team specifically request to meet with your customer’s HR Manager, that they could be terminated? Am I correct in assuming that you don’t care and that it is irrelevant to you that the customer can lose their employment? So, if you have a good many customers in 1 month that you apply these measures to, how long could you hold onto your job? To be frank I have escalated such instances to senior management with no action or outcome.

5. Why is it that in many cases escalation to senior management is ignored and never actioned? I hear the excuse of being too busy, well, I don’t accept it, not when you are in a position of strength to make a difference and save a life and however much my sentiments have no significance to you because you have no empathy or compassion, then it’s time to do the full circle of the job assigned to you, because it’s not just about targets, or allowing internal power struggles and politics to affect key decisions made for debtors accounts, simply because you don’t like dealing with the remedial company requesting such reviews. We are not here to like anyone, but to build sound relationships to try to restore human faith and lives so everyone can recover, so it’s never personal, neither is what I am writing today.

These examples are not referencing debtors who are intentionally under-handed, rather the sincere debtor who has not only sought your help and was refused, but proceeded to seek alternative help from a remedial company who can review their entire exposure with the sole aim of reducing their DBR in line with their current monthly income, enabling them to service their EMI’s and not default.

I am saturated about customer’s having to hear from creditors as to why they are seeking the help of remedial companies, so let me inform you, here’s why, because if you did your job correctly in the first place, the customers would not have to seek alternative solutions and support out of sheer desperation.

Therefore, remedial is a full circle, it does not only pertain to the norm of consolidations, restructures or buy-outs, but also to the human factor of coping with psychological debt emotional fear, depression, anxiety, anger and also credit mentorship, because they get to understand how to transform themselves, hence, changing their situations where they learn how to emerge from their dark hole and recreate themselves and take ownership and responsibility of their lives in a full circle. It’s a serious issue, where it does not matter if a debtor opts to remain here or skip, even in the latter instance it can also be soul destroying if the debtor has a conscience and I know many have, so the choice some creditors had in the past should be a lesson today, rather to fully support until the debtors situation improves and realize that time is the healer of restoration, the debt was not accumulated overnight, so how come you want an overnight solution right now, when it is impossible?

When people are at your mercy, regardless of whether you assume that the situation was self-inflicted, the fact is that it won’t serve you to continue beating the old drums, rather your job is to save the moment, whilst saving your organization and yourself, because nothing else matters, except that the debtor is willing to repay he’s debt.

I find it very hard to consume when a debtor is offering to pay a partial EMI, where there is no legal action, just he knows that he is expecting income soon, but right now, he is willing to pay what he has in he’s hand, then the creditor refuses, in some cases, the collector will even demand that the creditor ‘go and lend it from someone!’. Really? So that you can achieve your target? The other big issue is demanding and EMI with a promise that once it is paid, the restructure will be processed, where once paid the debtor finds the account is then allocated to a new collector and history starts repeating itself and finally, the debtor faces legal action due to accumulated EMI balances.

When will we learn as human beings that being happy and in peace, also helping others to create that same equilibrium, will serve us all and that we are all on this one planet, supposedly to help each other, but some of us have cocooned ourselves in special aura of ego, that seems to be impenetrable, where those around us are already well trained not to cross that line. Realize that you’re not in an ego cocoon, just a delusional bubble that will burst in its time, then you will stand alone, unable to help yourself, because that’s the law of life.