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If you have bad credit, you will have to deal with collection agencies sooner or later, and these companies often present the most persistent and unpleasant problem for those with bad credit. Collection agencies are basically companies that work on behalf of companies to try to recoup money that is owed.

If you owe your credit card company a payment that has not been made in some time, your credit card company will eventually ask a collection agency to speak with you. In many cases, collection agencies try to get money for their clients through phone calls. Some collection agencies are quite reasonable and will try to work with you. However, some will use threatening or harassing techniques - including verbal threats and daily phone calls - to try to get you to pay. To prevent the stress that collection agencies can cause, learn to deal with collection agencies.

You should always get the full name of whomever you speak with at a collection agency. You should try to be honest about your ability to repay and try to work out a payment schedule or payment options. If at any point you feel threatened or harassed, say so. Hang up the phone if the collection agent persists and contact the company who is trying to recoup money from you directly.

Note that the collection agency the company uses has been using is using abusive or upsetting language and ask to resolve the issue with someone at the company directly. Get the name of the collection agency and report them - and the agent you spoke with - to the Better Business Bureau. Refuse further calls from the collection agency and continue your communication with the creditor directly, noting each time the collection company contacts you with harassing or abusive calls.

Unfortunately, some collection agencies feel that intimidation yields the best results and since most collection agencies work through telephoning, they feel that they can say whatever they like (including making personal and false accusations) in order to try to recoup money for their clients. There is no paper trail and few people harassed by the agencies take these companies to court.

Some debtors feel so ashamed of their bad credit rating that they almost feel that they deserve the abuse. Both views are completely wrong. A bad credit rating does not make you deserving of abuse. Report collection agencies that offer harassment as a technique and make it clear to lenders that you will not work with a company that uses abuse as a technique of recouping money.

Some collection agencies will try to use your credit score against you, telling you that they can ruin your credit score at a glance or file a claim on your credit score. Don’t fall for this. Your credit score is instantly affected when you fail to make a payment or are reported to a collection agency, but there is nothing that the collection agency employee can do to make your credit score worse beyond those two things.

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Make sure the people who stumble end up being regular visitors or customers. You can do this by adding an RSS button at the bottom of our page, an email subscription link, or any other method that will bring interested people in even closer.

Be interesting without selling. I other words, you want the content to sound good and thorough but not like a sales letter or an infomercial.

Stay away from the automated tools if possible, since they will end up causing problems in some cases, like creating spam-like postings and will give your pages the overall feel of a robot behind the keyboard instead of a human being.

Make the content more social. Try to achieve a feeling of updating friends and customers instead of a plain informational page. This will make people stay interested and want to know more as things with your business changes.

Edit your posts often, and have another pair of eyes take a look at them as well. Sometimes, someone else might catch errors or suggest room for improvement that you may not be aware of.

Blog about your StumbleUpon page. Talk about your page on other websites and in other places, so more traffic is led there.

Choose tags carefully, and only use the ones that have the most impact. 31.You can generate article ideas and brainstorm concepts by buzzing around the web and finding the hottest topics and other blogs. Take from them as much inspiration as possible.

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We have already seen a few of the advantages of selling low-priced products in previous chapters.

For example, when there is less money about, you are likely to sell far more low-priced products than you are going to be able to shift products with a premium ticket attached. Sometimes, this will give you access to markets that would otherwise be denied to you as we saw in the debt example.

Also, selling a low-priced product can often be a very effective ‘door opener’ for a more expensive product in the same marketplace. For instance, most online marketers have an ‘upsell’ product that they present to anyone who has bought a product from them.

If your ‘front end’ product is a low-ticket item, it naturally follows that it will sell in far greater numbers than would a higher-priced item, thus enabling you to present your ‘upsell’ product to a greater number of customers.

Most experienced marketers understand that once you have pulled a new customer into your business with a relatively low price product sale, the next thing to do is to start qualifying that customer. In particular, it is important to establish how much money that customer is able or willing to spend with your business, because the customers who are willing to spend most money are ultimately your most important customers.

Thus, the most effective upsell tactic is to present the new customer who has just purchased a front end, low-priced product with a complementary product with a significantly higher price tag attached. In this way, you can immediately ‘ask’ the new customer whether they are able or willing to spend more money with your business.