Positive Tips To Getting Debt-Free

Debt Collection, Debt Collection Company, Personal Finance, , , , , , , , , , , ,

    At FIRMS we are aware that most you are probably still trying to get used to the fact that a premier debt collection agency, such as FIRMS, would actually want to help you get out of debt.  Well, trust us when we say that a major part of our pride is helping people just like you learn to better manage your finances and become financially healthy so you can avoid going into unnecessary debt.   While most debt collection companies might try to intimidate you and remain focused on simply collecting your money, FIRMS is dedicated to helping you learn to get out and stay out of debt.

One of the more serious factors in the life of someone stuck in the debt cycle is their mindset.  It is not just the mindset of finances and understanding money but the mindset of negativity that keeps us outside the place of growth and change.  One of the most important aspects to getting out of debt and making better financial decisions is staying positive in your thinking and your views about where you are going.

FIRMS has developed three changes you can make starting right now in your life to help you get out and stay out of debt.

  1. Stay Positive in your thinking.  NEVER allow your thoughts or feelings go to a negative place concerning your finances.  If you currently have some outstanding debts, don’t have negative thinking keep you in the debt cycle.  Change your thinking to be positive.  Tell yourself that yes, you do have some debt, but you are going to have everything paid off soon and you are making better financial decisions.  
  2. Set a goal and complete it.  Start with something simple like you are going to cook dinner at home more often rather than eating out.  Don’t start with your first goal being something along the lines of paying off your home.  Sure, you can pay off your home but that could take a long time.  We are looking for short term goals that you can complete soon and get some momentum going in your favor.
  3. Set a savings goal.  Set out to save $100 and then take that $100 and put it towards one of your outstanding bills or debts.  Write your goal down on a piece of paper and set it somewhere you’ll see it often.  Maybe tape it to your refrigerator or inside your car where you can see it.  Now work towards saving that $100.  Look in your house and car for spare change, maybe make your coffee at home instead of going to Starbucks. Once you have saved your $100 go and put it towards an outstanding debt.

These are three actions and changes you can make RIGHT NOW that will help you get out of debt and actions that will make you much better and managing your personal finances and having far better financial health.

    Leave your comments below and let us know some of the ways you work to become better at managing your finances.  And as always, leave any questions you have below and we will answer them in our upcoming blog posts.  FIRMS is dedicated to helping you get out of debt.

 

  • FIRMS

Saving Money During The Holiday’s

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    Christmas Day is only ONE WEEK away!  Where has 2015 gone?  While most of you are no doubt almost finished with your holiday and Christmas gift buying there is still time to avoid going into debt and save money and at FIRMS, the premiere debt collection company, we are hoping to help you do just that.

    According to an article written at Daily Mail, 1 in 3 people will go into debt during the holiday season!  We at FIRMS want to make sure we don’t see your name on one of our future contact lists and so we have created a few simple tips and tricks that you can use this holiday season to help you spend less, save more, and avoid going into debt.

    The easiest thing to do at Christmas time is spend money.  With all the Christmas and New Year’s parties to attend, the traveling during the holidays, and the gift buying, there is no doubt that December will be an expensive month for most people.  Follow some of these steps below and you’re guaranteed to save some money.

  1. Make sure and track your spending.  Keeping track of your spending by writing down every purchase you make at the end of the day will help you put into perspective how much money you have going out of your checking account and wallet.  Go out and buy a little notebook and start writing down every purchase you make.  It helps to cut down on those extra purchases that add up in the end.
  2. Pay with cash.  It is all too easy to charge everything on your credit card or your check card.  But studies show that we have a tendency to spend more when we pay with a card over cash.  Go online and do your shopping, then go to the store and buy your gifts suing cash and LEAVE YOUR CARD AT HOME!  If you bring just enough cash and leave your card at the house you will be less likely to buy those extra gifts you can’t afford.
  3. Budget! Budget! Budget!  If you haven’t already set a budget for your monthly expenses and bills GO DO IT NOW.  Seriously, you need to have a handle on the money you have coming in and going out.  Being aware of what you have available in your checking account will prevent you from overspending on gifts and then being cut short on your bills when they are due.
  4. Think outside the box.  When it comes to gifts remember that some of the best gifts you can give is your time and talent.  Maybe you can offer to help a friend clean up their computer?  Or you can offer to babysit for a date night for friends or family in lieu of buying a gift.  Invite friends over for a movie night or have them over for a dinner party.  These are little ways to share more of the spirit of the holiday season and save yourself some money at the same time.

    Remember, the holiday’s are mainly about having time to share love with your friends and family and less about spending exuberant amounts of money on gifts we won’t remember next year.  So this Christmas, leave your credit cards at home and spend some extra hours close to the one’s you love the most and you’ll have priceless memories for years to come.

Happy Holiday’s from the best debt collection agency in the business,

  • FIRMS.

FIRMS Customer Interview

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    As a business owner or office manager, a large part of your responsibilities can be managing the debt collection for your business or office.  At FIRMS we work with doctor’s offices all over the United States assisting office managers and business owners in helping to keep their doors open by collecting on the outstanding debts and working with their patients and customers to collect those outstanding debts.  As a premier debt collection company, FIRMS takes great pride in helping local businesses stay open and grow along with making their process of managing their accounts simplified and streamlined.  

FIRMS took a look at the debt collection industry and asked the question “what can FIRMS do better?”  FIRMS offers you real time status on every single account.  Did your customer make a payment to their outstanding debt?  You’ll know about it just as soon as the payment is collected.  Did FIRMS attempt to contact one of your customers?  You’ll be updated about it immediately.

FIRMS recently interviewed one of our current customers in upstate New York.  Malara Eyecare has been one of FIRMS clients since their former debt collection company, MedRev was forced to shut down due to poor business practices for a debt collection company.

FIRMS:  “What was your reason for hiring FIRMS to manage your office debt collection?”

Malara Eyecare:  “We were working with MedRev until New York State forced them to close.  At that time we needed FIRMS to come in and help our office and assist in collecting on our outstanding debts.”

FIRMS:  “Are you more satisfied with FIRMS than you were with MedRev?”

M.E.C.:  “Yes, of course we are!  We are much happier with FIRMS.  The process is much simpler and it has saved our office workers so many hours in updating accounts and tracking where each account is in the process of collections.”

FIRMS:  “What is one thing you like the most about FIRMS?”

M.E.C.: “I would say the website and account login.  This is such a huge development for us to manage the accounts and get accurate and real time updates on everything that is happening within our customer profiles and accounts.”

FIRMS:  “Is there anything you would change about your working relationship with FIRMS or anything you would suggest to improve upon?”

M.E.C.:  “Not at all.  This has been such an amazing transition and has saved our office so much time and money.  We love working with FIRMS and appreciate FIRMS continued support of our business.”

Are you struggling with your current debt collection agency?  Are you looking for an easier, simpler way for your business to collect on the outstanding debts owed?  Give FIRMS a call today and let us show you a better way to work with a debt collection company.

    FIRMS Debt Collection Agency:  1-800-655-4526 and FIRMSltd.com to let us know how you heard about FIRMS!

FIRMS, helping people all year.

About FIRMS, Debt Collection, Debt Collection Company, Personal Finance, , , , , , , , , , , ,

        As we come to the holiday season, with Thanksgiving having gone and Christmas being just around the corner, we approach a time of the year when everyone begins to place others ahead of themselves.  We think about the loved ones in our lives, friends and family, and we also consider those less fortunate than ourselves and how we can help them have a better holiday season.  From charitable donations and donating to the red cross, to paying it forward, we are surrounded by love and kindness this holiday season brings.

At FIRMS, we work to help those in need or in tight financial positions in life on an everyday basis.  Part of our mission at FIRMS is to help those who could benefit from a little assistance.  While most debt collection agencies in the debt collection business focus only on collecting the debt due and blurring the line between harassment and due diligence, FIRMS places our focus on collecting debt for our clients and also helping those who are in tight financial binds.

FIRMS realized that some people are simply in tight spots and need help wherever they can get it.  Our specialists at FIRMS will often contact individuals who have fallen behind on their bills due to a loss in employment.  While most debt collection companies may continue to call and send letters demanding immediate payment FIRMS has decided to take a very different approach.  FIRMS specialists will assist individuals in not only creating and improving their resume but also in sending their resume out to various job search websites to help them find employment and get back on their feet and on their way to financial freedom.

At FIRMS we are not only focused on collecting outstanding debts for our clients, that is our chief focus, but we are also very interested in helping people live a better life and building strong ties in the communities where we provide our top tier services of debt collection.

       At FIRMS we never just see dollars and cents but we see families and individuals and we see businesses thriving and communities strengthened and brought closer together.

We feel that FIRMS can make a positive and lasting impact not only for your business but for your customers who may have fallen behind on their bills and in the community where you do business.  Remember when it comes to debt collection companies and debt collection services, FIRMS stands above all the rest.

 

  • FIRMS.

Saving Money To Avoid Going Into Debt

Nobody wants to get a notification from a debt collection agency that they have an outstanding debt, even if it’s from an amazing debt collection company such as FIRMS (we’re a little bias).  Nonetheless, we at FIRMS have written a post to help you plan for your financial future and avoid falling into unnecessary debt.

Life can bring a variety of uncertain twists and turns and without being properly prepared for those funny little bumps in the road  we can find ourselves struggling to financially handle them.  When life brings those twists and turns and we are unable to financially pay for them, we can begin a life of debt in order to cover our unexpected bills.  However, establishing a proper savings account can help us avoid going into unnecessary debt and can keep us financially liquid and stable for the rest of our lives.

There are 4 main twists and turns that can cause us to go into debt if we are not prepared.

  1. Unexpected Medical Bills.
  2. Sudden loss in employment.
  3. Significant life changes.
  4. Divorce.

Most of these financial hiccups can be handled without being forced into debt if we are properly prepared and we can properly prepare by simply saving money.  Some experts suggest having three months of expenses in your checking account at any given time along with having a separate emergency fund in order to be adequately prepared.

If you don’t have any form of savings for those emergencies and unexpected financial burdens in life, we suggest starting with a basic emergency fund where you will save $1,000.  Saving an initial $1,000 is important because it will help you focus on putting money away and it won’t make the process of saving seem so daunting.

Once you have your initial $1,000 emergency fund saved you can begin setting more money aside to build your main fund of having two-three months of expenses saved and available, should you experience a sudden financial burden.

We have 5 top ways to start saving money today.

  1. Set a budget…AND STICK TO IT.  Don’t allow yourself to deviate from your budget once it’s set.
  2. Don’t stress spend.  Most of us tend to make little purchases whenever we want to or when things get stressful but those purchases can add up fast!
  3. Eat out less and cook more.  Going out to restaurants for your meals can get expensive, especially if you’re doing it more than once a day.  Start cooking your meals at home, it will save money and bring your family closer together too.
  4. Save anything and everything.  You found an extra $3 in the laundry?  Put in your savings account instead of spending it.  No matter how big or small the amount is, put it in your savings account, you’ll be amazed how fast your savings account can reach your goal.
  5. Wait 30 days before making a significant, non-essential purchase.  Thinking of buying that new $60 video game?  Wait 30-days.  You’re less likely to make those insignificant purchases after 30 days and those $60 video games can add up fast and keep you from reaching your savings goals.

Saving money for unexpected life events and bills can be fun and easy when you put your mind to it.  Don’t be intimidated by the number you need to save, start saving now and you’ll be surprised at how quickly you reach your goals.  Your future self will thank you for it.

 

  • FIRMS.

WELCOME TO FIRMS!

About FIRMS, Debt Collection, Debt Collection Company, Personal Finance, , ,

Hello and welcome to the first of many blog posts for the new home of FIRMS blog site!  

Many of you already know who we are but for those of you who are new to  FIRMS allow me to introduce you.  FIRMS is a top-tier debt collection agency located in Syracuse, New York.  As a company we are creating the future of the debt collection business by overcoming every negative aspect in the debt collection industry.  At FIRMS, we not only take pride in the growth of our company, but we take great pride in how we operate as a debt collection agency.  Allow me to share with you 3 ways in which FIRMS is leading the way in the new wave of debt collection agency’s.

  1.  FIRMS offers more than affordable debt collection services to businesses, doctors offices, and hospitals.  We are uniquely priced to earn your business and help     you collect on the income you need to stay operational.
  2.  FIRMS is in the business of helping people.  We help our clients by collecting on debts owed to them.  And we also help those who have fallen behind on their bills and have been contacted by our firm.  We assist customers who need help putting together a resume and even assist in finding them employment.
  3.  FIRMS also assures each client that there will be 100% transparency in the collection process.  Our clients can log on to our website at any time to see real-time results of where the collections process is with each account.  

This is just a portion of how FIRMS is working diligently to bring a positive, effective, and human element to the debt collection industry.  We guarantee that you will be satisfied with our services, whether we are collecting debt for you or from you.

But that’s enough for now.  We thank you for stopping by and checking us out and we look forward to providing you with useful information concerning everything debt collection and financial related.  And let us know if there is a topic you’d like us to write about.  Have questions on your personal finance and how to save for the future or get yourself into better financial positioning?  Ask us anything and we’ll do our very best to help answer your questions.

So long for now,
–   FIRMS .