State Mercantile: Are They Chasing You For Unpaid Optus Bills?

So you’ve received a letter in the mail or a phone call from State Mercantile and it’s regarding your Optus unpaid bill. These are real debt collectors!

You can’t ignore what’s happening here as it can have severe ramifications for your future. They can put a black mark on your credit file, among other problems.

There are multiple complaints about this company and their practices. People claim that they don’t owe any debts but in fact they do. This can be from years ago.

Today we’ll examine the problems here and what you can do about it.

State Mercantile

State Mercantile are professional debt collectors. Their job is to chase individuals across Australia for unpaid debts, often arising from unpaid Optus phone bills.

State Mercantile

You might have been contacted by them recently and need to sort it out.

Here’s how:

  1. You ask them what is owed on the account
  2. Organize a payment plan or pay in one lump sum
  3. Move on from the experience before it affects your credit history.

It’s really that simple, however, for some people they think it’s not their responsibility anymore. You know – the debt is a few years old now.

The thing is: These guys can negatively impact your life hence the online complaints. You might go for a car loan in the future and you might be denied because you didn’t pay up to State Mercantile.

That’s bad news, isn’t it? The solution: Just pay them.

An alternative

So you don’t want to talk to them because their staff are rude and aren’t willing to help.

One option is to get us to talk to them for you. We can work out some attractive terms and help you get back on track.

Sometimes people just don’t have the $1,000 or whatever available to them to clear the debt, and that’s OK.

You know, you might be waiting for payday or something. Having that sort of cash lying around isn’t easy to come by.

Reach out to us and let’s see if we can come up with a solution.

State Mercantile Complaints

There are multiple complaints about State Mercantile due to the behaviour of their staff members. Truth be told that they’re just trying to do their jobs properly: They want money from you!

The main way to solve this problem is just to pay up. Another alternative is the National Debt Helpline or Lifeline Australia if you’re going through a financial crisis.

Still, the problem still remains. You have a debt and it needs to be paid.

In summary

We would recommend that you work with State Mercantile to get this paid in full. You don’t want debts like this affecting your future and it can prevent you from living the debt-free lifestyle.

They are based in Brisbane and will work out a payment solution that meets your needs. Get in touch with them today or reach out to us!

Credit Corp Harassment: 10 Things You Should Do Now

So you’re under some perceived harassment from Credit Corp and want some advice? Our guide might shed some light on what to do.

Debt collectors in Australia are becoming more aggressive and loud-mouthed every year. I wish the government would do something about their behaviour.

It seems every week there’s a new report about Credit Corp Harassment. We decided to create a guide to help hit back at these perceived bullies.

Read this to the end so you’ll be more aware of what you can do.

Credit Corp Harassment on everyday people

It’s almost like a David and Goliath battle, isn’t it? Except it’s 2020.

I guess you could say it’s Evil Corp vs Aussie Battler. We’re doing it tough here.

Truth be told that often Credit Corp isn’t actually harassing people. It’s true.

Many people think that Credit Corp Harassment is happening to them. Those endless rude phone calls, letters of demand and unhelpful text messages just keep arriving. Here is what you can do to report the bullying and finally regain control again of your life!

Credit Corp Harassment Australia

The thing is…they have a job to do. They need to recover some debts.

Sometimes that requires raising their voices or calling you all the time.

It’s just how they operate. They can’t be Mr Nice Guy after all.

The debt collection industry is one that sucks for everyone.

But there are a few agencies doing the right thing.

While others aren’t and totally flouting the laws.

So if you think you’re being bullied, read this:

1. You can speak to the National Debt Helpline

This is always a good idea. They provide a non-bias government-supported service for people who are up to their eyeballs in debt and just want someone to talk to.

You can call them during the week between 9am and 5pm. That said, they will often tell you that Credit Corp isn’t doing any real harassment, which is true.

2. Ask to speak to someone nicer

If the person you’re speaking with at Credit Corp is rude, unhelpful or just feels like they’re trying to harass you, then you can request to speak with someone else.

It might take 3 to 4 people before you finally get someone that will listen to your stories. Some of them are commission-driven and just want to fish out some money, while most of them genuinely want to help you in this situation.

3. Communicate with letters/emails instead of the phone

Did you know that you can opt to communicate with Credit Corp via emails or letters instead of phone calls? Not that many people know that.

Even better is that they now allow you to check your account online and sort out your debt situation through their online portal. It’s very helpful actually.

4. Get someone else to represent you

You can engage someone like our recommended mediator to talk to Credit Corp on your behalf. It’s generally FREE and you might get a discount on the debt amount.

This takes all the stress, fear and anxiety away. A suitable payment plan can also be arranged over the phone.

5. Submit a complaint to them

Credit Corp Australia has its own complaints resolution process and even an email address. If you genuinely feel that you’re a victim of harassment, then submit a formal complaint to them.

The only catch is that you need genuine evidence so they can speak to the staff member who is troubling you. This can be hard to obtain especially as it’s them recording the phone calls, not you.

6. Propose a payment plan

As soon as you say “Hey! I can pay a little bit each week” then their tonality will change substantially. They will go from evil dragon to Mr Nice Person instantly.

See – they are used to people dismissing them all day long. You know – trying to get away from their debts. Instead, taking this approach gets them on your side. Plus – you really gotta sort out this debt situation.

7. Speak to the Ombudsman

Communicating with the Ombudsman is a good idea but only for very isolated cases. Quite commonly they will tell you that Credit Corp is operating within Australian laws…which they almost always are!

8. Get someone to screen your voicemails for you

Have you been terrified of listening to yet another debt collector phone call, especially from Credit Corp? If so – we recommend that you get someone that you know and trust to listen to the voice messages for you.

That way they can assess the severity of the situation but also take away the emotional part. Instead of hearing an angry debt collector, they just see the important facts – size of debt and what they want from you etc.

9. Tell them you can start paying a little bit

This ties in with the payment plan. If you can say something like “Hey can I just pay $300 today.” then again, they will become a lot nicer. It shows to them that you’re actually getting on top of this and taking things seriously.

Sometimes throwing them a little money will help ease the situation and make the person on the phone turn into the best friend you ever had.

10. Our recommended mediator can talk to them for you

Are you petrified of picking up the blocked number or random mobile number? It’s probably Credit Corp, isn’t it? Those text messages and demanding letters are piling up there.

Instead of ignoring this HUGE situation, you can take all that weight off your shoulders and get someone like our recommended mediator to do the hard work for you.

Next steps

Don’t ignore what’s happening here. You clearly have a debt that needs to be repaid. Don’t wait until it’s simply too late, as they can take you to Court.

Debt collector harassment is a real thing, though it seldom happens with the big boys in Australia like Credit Corp. Often it’s merely mistaken for their normally tough stance because they are trying to retrieve money here, not make friends over the phone.

The biggest problem is Facebook stalking. Debt collectors including Credit Corp do this all the time. They know who your friends and family are, they stalked your photos already. Now they can start talking to them too about your debts. Very embarrassing!

If you need some help through this process, then please get in touch. We’d love the chance to make this all stop for you today.

The mess, the chaos and finally let you sleep peacefully tonight.

At the end of the day, the best way to stop them is to talk to them personally about the harassment. Raise your concerns to higher levels of management and get it addressed professional. Most importantly – explain your personal debt situation and organize a payment plan today.

Arma Group Debt Recovery: How To Deal With Text Messages & Emails

Arma Debt Recovery Australia Review

So you’re being chased by Arma Group Debt Recovery and need a solution. The Debt Free Community is right here and ready to help!

We’re getting reports that Arma Debt Collection is trying to recovery people’s debts through phone calls, text messages and demanding letters. Have you?

Because we’d love to hear from you if you’re a victim of these challenging financial times. There is light at the end of the tunnel and with The Debt Free Community, you don’t have to go it alone.

Arma Debt Collection

Have you just been contacted by the debt collection agency called Arma Group? They are one of Australia’s most aggressive debt collectors who send out SMS text messages and letters with strong warnings.

You might even have received some phone calls from them using disguised phone numbers. They are becoming creative to try and get you on the phone and make you admit that you owe them money.

Arma Debt Collection

What has probably happened is that another company that you’ve owed money to has tried to get in touch. You’ve ignored them because you don’t have much money to give to anyone right now. Am I right?

So now, imagine this. That same debt has been put in the hands of Arma Group who wouldn’t be as nice to deal with. They deal with people like you across Australia each and every week.

They have one aim: Get money from you. It’s how they get paid!

Here’s what to do:

Your options

As far as we’re concerned, we would recommend the National Debt Helpline on 1800 007 007 if you’re going through difficult times. They can’t get you out of this mess, but at least you will have someone to talk to.

You might also wish to get some money from friends or family. Others have resorted to selling stuff they don’t want, need or use anymore. Gumtree and eBay are great places for this.

Please do not, under any circumstances, take out a payday loan to pay these guys. It’s a recipe for disaster! You can’t pay debt with additional debt.

Debt collectors at Arma Group

Talking to Arma debt recovery often does lead to a solution. While they won’t be happy that they can’t get 100% collection today, even if you paid them a little bit, they will leave you alone for a while.

But then again, who wants to talk to a rude debt collector who just wants money? You certainly don’t. Our experienced team can do that for you, hopefully, to get you a better deal at the end of the day.

When it gets worse

If you ignore what is happening, then legal notices from them might start to appear. You might have to go to Court and they have all the evidence in the world to prove that you owe money. The solicitors often side with debt collection agencies instead of the poor individuals who are hard done by.

The worst part is the door knocking! They can come to your house and demand payments from you. Imagine having your friends over on a Sunday afternoon and it’s all interrupted by debt collectors. You know – 2 grown men at the front door.

That’s a quick way to spoil an otherwise great weekend where you can finally relax. Oh – and they can call you as late as 9pm at night. Do they care? Well, they just want their money as any good debt collector does. There is nothing against Arma here as they are just doing their jobs and their staff can be nice.

Arma Group: Next steps

You really need to take action today. This sort of stuff doesn’t magically go away.

Do you think ignoring your phone will solve this? It probably won’t, we’re afraid.

Neither will the thought to change your phone number. They will find the new number pretty easily, including your new address and where you work.

See – they are so sophisticated these days. They have these tools that allow them to chase after people and collect money. It’s big business in Australia, right after payday lending.

They can even stalk your Facebook profile legally! Imagine that they will now have the phone numbers of your friends and family. It’s scary but it happens weekly.

Just get in touch with us where we can hopefully sort this mess out for you today.

Collexa Debt Recovery: What To Do If They’re Harassing You Today

We’re here to help people who are being chased by debt collectors such as Collexa because we know how tough it can be.

There are multiple reports across Australia of debt collectors being nasty, aggressive and rude. Harassment appears to happen to those in vulnerable positions.

Let’s examine Collexa and their debt recovery processes because they like to chase people who owe money. Are they dodgy? We know the answer.

The truth is, they are quite legitimate and stay within the law.

Now if you’re being chased, there are some things you can do.

Collexa Debt Recovery

It’s probably a case that you owe someone money like a business. Because you haven’t paid up, they have asked Collexa to step in and handle it.

While you might have been able to negotiate a payment extension before, it’s probably not going to be so easy now. Because Collexa gets paid only if they recover the debt, there is a strong incentive for them to keep chasing you.

And chasing you is exactly that they will continue to do.

Collexa Debt Recoveries

You might experience things like:

  1. Routine phone calls where are somewhat aggressive and ‘tough’
  2. Text messages saying “Please contact Collexa Debt Recovery NOW”
  3. Letters of demand where they say you must pay up or else (shocking!)
  4. Their debt collectors might even come knocking to your house

The last one is especially interesting. Did you know that they can come knocking on Sundays? You could be having a few friends over for beers, then suddenly it’s interrupted because a debt collector with demands has come to the front door.

Gee…that’s gotta be embarrassing! Suddenly your friends and family will gossip and know all about this.

Surely there is a way out of this mess. Luckily, we know a good way, hence the creation of The Debt Free Community.

What you can do

Firstly, we wouldn’t recommend you ignore this. What could happen next is a notice to attend Court. This can be a very expensive process, especially if they win and you have to pay their court costs plus your own lawyer. Now you’re out of pocket even more than before.

Even if you change your phone number or move house, it isn’t going to achieve much. These guys are sophisticated and know how to chase people.

What they do is often use Facebook and LinkedIn to see what people are up to. Have you had any strange friend requests lately? That’s probably a debt collector.

It sucks, especially as you’re having a tough time. You’re in dire straits and they want to kick you while you’re down. It’s like they won’t leave you alone at all.

We would highly recommend that you try to work out things with them. Perhaps you’ve already tried, which has brought your search online for an answer.

While you can play the financial hardship card, you also gotta prove it. The National Debt Helpline is available too but they give generic advice.

You can actually engage our team to talk to them for you. Since it’s scary to talk to debt collectors, we can step in on your behalf so you can avoid all that stress and embarrassment. You might even get a better deal including a reduction in the payments.

Next steps

Collexa Recoveries is a collection agency which operates ethically as per the online reviews. Their sophisticated recoveries and investigations team means that while borrowers can run, they often can’t hide.

If you’re being chased, then it’s going to be tough to get away from your obligations. Instead, use our solution that is FREE for you to get on the phone.

We’re here to help everyday Australians through these difficult times. We know you’re doing it tough, that’s why we’re community-focused and want to help you sleep better each night.

And finally, one of the best ways to deal with Collexa is to deal with them personally and organize a payment plan.