Skillful, courteous, but firm negotiations yield much better results than attempting to browbeat the debtor. My skillful negotiation tactics begin only after I have filed suit and sought to attach the debtor’s assets. This levels the table.
Common sense dictates that if someone gets their dander up, they are more likely to pay other creditors than they are to pay you. In negotiated settlements it is rare that you will receive the same results as you might if you were to win everything at trial.
My tactics are often so successful that after your debtors pay you, they hire me to collect their own debts!!