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Channel: DISKARTE (Guidelines on Credit Cards Paranoia)
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Who Is Your Lawyer?

Dare collectors to meet you in court.Most often they will ask you "who is your lawyer"(because they were unprepared for your answer!)eto ang sagot mo: "why don't you call him instead?"eto yung list of...

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Commission At Our Expense

NEVER DEAL WITH COLLECTORS.if you still value your hard-earned money.(unless there are legal basis)

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AFRAID OF COLLECTORS?

Why you should not be afraid of collectors:Just because you are a defaulter does not mean puede ka nang sigawan at murahin?aba, payag ka ba nyan?  sino ba sila?sila ay COLLECTOR lamang.taga-collect...

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Visits - Nakakatakot Ba Talaga?

When collectors visit you,bigyan ka muna ng sulat ( w/ envelope or 1/4 shit of paper lang)pirmahan mo lang kahit left to right, front and back.no big deal.DON'T READ ANYMORE..to the trashcan,...

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P.A.N.I.C.

PalagiAngNasaIsipCollector!relax......otherwise you'll lose your common sense.all they can do is tell you lies.so, don't take them seriously.they won't ; they don't ; they can't!(try to remember those...

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Explain....Explain... Why You Cannot Pay.

Whenever collectors ask " ano plano sa utang mo?"Remember - you are not required to explain! 1. What? Are you sure? Wala naman akong utang sa bank ah. at wala din akong utang sa iyo.2. If true, I have...

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Collector's Newest Technique - Funeral Homes Scam

Collectors now uses funeral homes to pressure you into paying.Here's how they do it:1. they call the unsuspecting funeral home for services.2. due to  greed , these funeral homes scramble to get to...

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Diskarte - The Booklet

Chapter I   Meet Mr. CollectorHe is usually a high school graduate who earns his living on a no-collect ; no-commission basis, employing mainly:1. Pretense (  lawyer/police/NBI,whatever)2. Harassment3....

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MIDYEAR EB

Date : July 30,2016Time : 2:00 p.m.Place : 5/f Conference RoomGo Hotel Cybergate PlazaEdsa corner Pioneer St.Mandaluyong, Metro Manila, PhilippinesFee : P 500.00/paxplease pay in advancethru BDO/Money...

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PRIDE

Rule No. 1 - If you cannot pay, don't.Collectors usually uses our pride to make you pay their commission."Ginamit mo naman yan!"but are you really paying Juan and not Pedro?accept the fact that you can...

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Anyare?

Collectors will normally ask you this question.Because they care?Of course not! It's simply to put you on defensive stance."Control the conversation" is a collector's technique.Whatever your reason...

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Your Physical and Financial Health Compared

I  Healthy: ( Status : current)You have no illness ; you are updated in debt repaymentII. Health deteriorates: ( Status : substandard)You may suffer some fever, coughing or other symptoms;Your debt...

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For Our OFW Kabayan

OFWs are a favorite of Bilkish collectors.One thing to remember :wala paki-alam ang Pinas sa utang mo abroad.or any other country sa utang mo with another country.pure lies. pure commissions.

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Are You A Lawyer?

Every time we have a problem,we immediately look to a lawyer for solution.Wrong.Debt, or more specifically debt repayment, is a FINANCE problem.so, why go to a lawyer?He can cite all the laws in the...

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Publishing Your Face

Collector's diskarte: PJ PublicationThreats to publish your name, picture and your face in the newspaper is silly.If they do that, WALA ka ng mabasa sa newspaper kundi pur0pangalan ng 500,000 CC...

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Field Visit

"Field visits" are field trips!But for collectors, it means mag-dala lang sila ng demand letterswhich you can simply receive and throw away.Mag-inspect ng gamit?ano sila, Bureau of Fire?or Akyat...

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Anonymous

anonymous posted a query - " will I be imprisoned for my unpaid card debts?"anonymous posted a query - " how do I stop CAs from calling me?"anonymous posted a query - " I am afraid they will visit our...

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Pinapa-hiya Ka Ni Kolektor?

Revised Penal CodeArticle 287. Light coercions. – Any person who, by means of violence, shall seize anything belonging to his debtor for the purpose of applying the same to the payment of the debt,...

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Breaking News

You can see on your right side screen how many have committed to attend.p.s.don't post your queries here. 

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Fire In The Hole

"Fire in the hole" is a warning that an explosive detonation in a confined space is imminent. It originated with miners, who needed to warn their fellows that a charge had been set.Let this also be a...

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