商务英语写作课件杨晓斌编著 ISBN9787811343311Section 16 催款清欠 Collection.ppt

Section 16 催款清欠 Collection I. 要点概述Main Points 1. What is debt? 1. What is debt? Debt is something owed including assets owed or some other obligations. In the case of assets, debt is a means of using future purchasing power in the present before a summation has been earned. Debt can be used as a part of the corporate finance strategy. Business debt is the debt held by businesses. As debt allows people and organizations to do things that they would otherwise not be able to do. Companies also use debt in many ways to leverage the investment made in their asset. Here we mainly mean the debt or the delayed payment in doing business. 2. What is debt settlement? Debt settlement, also known as debt arbitration or debt negotiation, is an approach to debt reduction in which the debtor and creditor agree on a reduced balance that will be regarded as payment in full. Consumers can arrange their own settlements by using advice found on web sites, hire a lawyer to act for them, or use debt settlement companies. Some settlement companies may charge a large fee up front; or take a monthly fee from customer bank accounts for their service. As long as consumers continue to make timely payments, creditors will not negotiate a reduced balance. However, when payments stop, balances continue to grow because of late fees and ongoing interest. There are five main objections to consumer debt settlement: damages credit, increased collection calls, possibility of lawsuits, tax consequences and the need to settle with all creditors. You can of course make settlement arrangements on your own if you don’t need to pay a settlement or debt management company to do it for you. 3. How can you collect the business debts? If the customer’s account is overdue, you can send a reminder to ask for prompt payment and the customer will sometimes quickly pay you. If there is no response, make a phone call asking if they overlooked the bill; Call again in a couple of weeks if you don’t receive payment;