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Who we are
Bell & Company are expert Debt Strategists and achieve successful negotiations with a variety of lending institutions daily. We specialise in assisting borrowers with problematic Mortgage Debt and Corporate Debt issues. We operate across Northern Ireland from our Belfast Head Office with an experienced team who work pro-actively to achieve the best possible outcome given your circumstances.
How do I negotiate with Creditors?
In summary, no creditor/debt collection agency is the same and they often have different processes and protocols along with various criteria that must be met. But one thing we do advise, and undertake ourselves, is being proactive and liaising amicably with your creditors. This will bring about the best result.
However, the above is easier said than done. Debt is incredibly emotional and debtors often cannot contain their emotion and this can lead to aggression in their approach which will be frowned upon by the lender. Furthermore, when liaising directly with a lender they will find it difficult to fully empathise with your circumstances. It would be a case of you presenting information and the creditor perhaps taking the view of – “well you would say that!”
Successful methods of negotiation
Bell & Company believe that appointing an intermediary can greatly increase the chance of success in debt negotiations. Having an intermediary in between the creditor and debtor can remove the emotion from the situation. We liaise amicably with creditors whilst still fighting your corner and ensuring both parties are satisfied with the outcome. Bell & Company have no conflict of interest and we ensure we achieve the best possible settlement for you, our client. Furthermore, representations we make to your lender are both tailored to your circumstances and the lenders requirements – we know what the lender is looking for and make sure it is clear to them.
Combining the above can reduce the timeframe and the stress associated with debt negotiations whilst increasing the likelihood of success. Even if you choose not to appoint Bell & Company we urge borrowers to be proactive in contacting their lender and be honest as to your circumstances – many lenders have policies in place to help those in financial difficulty.
If you or anyone you know is suffering stress from financial problems, then please contact our team today on 02895 217373. We always offer a free initial consultation and would happily welcome you to Rosemary Street for a coffee and chat or alternatively our Business Development Team can come to you.