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- 2012(38)
- February(11)
- Restaurants Are A Tough Business – Learn From The Successful Ones
- A Valuable Lesson...Commitment And Tenacity
- The Old Owner: Ally or Enemy?
- Get On Board With The Technological Revolution Going On Now
- The Missing Link In Leadership Skills
- Admit That You Are Not Breaking Even
- What We Can Learn From This Super Bowl
- Don Todrin Radio Show Wednesdays at 1:00 – Helping Business Owners Succeed
- Press Release: Successfully Navigating The Downturn: Positive Reviews
- The Economy Is Improving – Are You Able To Take Advantage Of It?
- Wednesdays at 1:00 PM – Successfully Navigating The Downturn on Blogtalkradio.com
- January(27)
- 1.7% Offer in Compromise settlement - a new office record
- Recent Success in Avoiding Receivership
- Don't Pay...then Negotiate
- For The Love Of A Good Building
- Lessons To Be Learned
- HOMELESS .... NOT HOPELESS
- Tune In To My Blog Talk Radio Show Every Wednesday at 1:00 PM
- How much do you pay in rent? Is it time to move?
- Hiring During a Workout?
- A Workout Is like Going To The Doctor
- Modifying Your SBA Or Bank Loan.. Definitely Not The Way To Go
- How to buy out a 50-50 partner, fairly and easily.
- Warning! There is a hidden trap in debt forgiveness you must be aware of
- What exactly happens to an SBA loan when you file for bankruptcy?
- Hit & Run
- Linkedin Shows Us What NOT To Do
- If There's No Wellness Of Fit, Don't Do The Deal
- Small Business Must Learn To Tell The Truth, Even If It's Negative
- What Is Debt Forgiveness?
- Returns – A New Benchmark To Measure
- Best Buy Shows Us What Not To Do
- SBA Loan Default And Advice
- A Review Of My Book: Successfully Navigating The Downturn
- Business Owners Need To Understand The Purpose Of Social Networking
- Do Coupons Work?
- My New Year's Greeting And Instructions To All Small Business Owners
- Resolution No.1 ... "Ask For Help!"
- February(11)
- 2011(282)
- December(14)
- The Settlement Statement: An Important Negotiating Tool
- Get the bank to show you their appraisal
- Questions, Questions And More Questions
- It's Year End, What's Next?
- A six-figure asset sale with payment terms
- Pay Attention To The World Economy And How It Affects Us
- Trading Gross Dollars For Profitability
- The Fine Art Of Business Schmoozing
- The Internet And The Store Must Merge
- Lloyd's Of London Pulls Out Of European Banks – What This Means For You
- We Must Teach Our Children More About Finance
- What We Can Learn From American Airlines' Chapter 11
- Second Wind Consultants Has A Worldwide Impact Via Internet
- Cloud Funding Could Be Right For You
- November(20)
- Hard Times Fall on American Families
- Negotiating cash for guarantors - a big win
- The Pitfalls of Franchise Ownership
- I .... "WE" ARE THANKFUL!
- The Post-Thanksgiving Challenge
- Introducing Our New Website!
- The Talk At My Thanksgiving Table
- You Are Slowly Being Boiled Alive And You Don't Realize It
- Embrace The Recession And Succeed
- Another Recession Is On The Way
- New Ways To Raise The Cash Required For A Workout
- Even The Experts Make Mistakes
- Our Strategies Were Inspected And We Passed With Flying Colors
- Two Years Without A Paycheck!
- You Must Make Lifestyle Changes To Survive A Workout
- Businesses Which Have Made It This Far Through The Recession Still Require Debt Workout
- Every Type Of Business Requires A Workout
- Who Is Your Client?
- Awareness And Preparation Are The Keys To Survival
- Your Money Is Not Safe In The Bank
- October(20)
- The Small Business Absentee Owner
- Communicating With Your Banker Makes A Difference
- Dump Your Debt And Horde Cash Before The Next Down Cycle
- Commitment
- The Sky Is Falling And This Is What Robert Prechter Says You Need To Do
- Our Value Is Recognized
- Want To Know All The Answers When Entering Into A Workout? Forget It.
- Get Rid Of Debt Before The Major Economic Adjustment Happens
- Daring To Dream Is A Workout Requirement
- We All Need A Rock
- When Facing Disaster Your Credit Score Should Not Be Your First Concern
- More On Interrogatories
- Stop Listening To Bankers And Lawyers And Get Expert Advice
- We Are Appreciated!!! Even By Those Who Don't Need Our Services.
- The Legacy Of Steve Jobs
- The Banker Bully
- Business Turnarounds And Workouts Are Not Magic
- You Cannot Win A Lawsuit But You Can Resolve It With A Workout
- Adjust Your Strategy When You Get Hit
- Success in dealing with unsecured creditors!
- September(24)
- What Business Owners Can Learn From The Red Sox Collapse
- The Truth About Out of State LLCs
- Can I Work Out Just One Loan And Not The Others?
- Consult Your Way To Victory
- The Difference Between Using The System Or Abusing It: Asset Protection
- SURROUNDED BY HEROES
- Debt Relief Service Strikes Again
- Some Small Business People Believe A Workout Is Dishonorable
- Asking Your Bank What They Are Willing To Take In A Workout Is Folly
- Asset Protection Makes Sense
- USDA Settlement Of Indebtedness For Farmers
- Do You Have A Strategy?
- Interrogatories - don't be afraid!
- A Prominent Business Attorney Sent His Client To Us
- Lack Of Employee Training Can Ruin An Otherwise Excellent Business
- Be The Leader And Reinvent Your Business
- Let's Drink To The Hard-Working People
- You Can Do It Better With Help
- If You Are Not Taking A Paycheck You Need A Workout
- High Net Worth Strategic Workouts
- Asking The IRS, Your Banker Or Their Lawyers For Advice?
- Real Help For Small Businesses Affected By Hurricane Irene
- Soldiering on, reinforcements are on the way...
- Nice Guys Get Slaughtered In A Workout
- August(24)
- There Are No Good Excuses In Business
- Options That Are Available To You....
- It's Smart To Prepare... It's Useless To Panic
- Are You Ready To Make The Decision To Survive, Emerge And Prosper?
- Letters to Congress
- Coming Home
- MISTAKES / BLAME / SELF BLAME
- Stop hiding from the issue, confront it and resolve it.
- Personality May Present A Challenge In A Workout
- Don't Be Naive When Buying A Business
- Fighting The Battle And Winning With 400,000 Visits To Our Blog
- You Are Already In Default You Just Don't Recognize It
- Be A Visionary Or Be Left Behind
- The Second Best Thing You Can Do For Your Business
- Remember The Meaning Of A Personal Guaranty
- Learn From The Federal Debt Dilemma And Do Your Debt Workout
- The Downturn Will Continue So Do Your Workout Now
- Joe Six Pack America
- Victory Is Not Always About Winning
- Do The Workout Before You Receive The Demand Letter
- Disaster Loan Workout Breakthrough! We Are Getting Better Results!
- Personal Asset Liquidation - America's a Flea Market
- Women, Minority Business Owners, We Can Help Reduce The Pain You Are Experiencing
- Politicians Are Teaching Us How NOT To Navigate The Downturn
- July(22)
- They're Calling Back
- "THE BOOK" .... UPDATE
- Victory Has A Price
- A moment of clarity, you must surrender, but to whom?
- The Workout Is Important Even As Business Improves
- Donald Todrin is Interviewed by Mark J Kohler Live Audio
- Franchise Defaults Are Skyrocketing
- Silence Can Be A Victory
- Make No Emergency Decisions In Business
- The Elephant In Your Room
- Give Thanks
- Tune In Tomorrow For My Radio Interview With Mark Kohler
- Learn From Your Mistakes And Start Again
- Why Are You Paying Taxes On Make-Believe Profits?
- Join Me On Linkedin And Visit My New Discussion Groups
- Radio Interview With Mark Kohler – Dealing With Today's Economy
- 750 Million People Cannot All Be Wrong, Social Networking Rules. Facebook Wins.
- Honor and Respect
- Don't Get Lazy Just Because It's Summer
- Silence From The Bank Can Be Golden
- Choose Your Battles Wisely In A Workout
- Make Your Business A Fun Place To Work And Reap The Rewards
- June(23)
- Face to Face Presentation
- The Definition Of Insanity
- Financial Tornado
- Identifying Trends And Following The Leader Is A Good Business Practice
- A Turnaround Is About Making Large Moves
- Dear Banker, A Rapid Response Is Mutually Beneficial
- Dear Banker, Default Is Not A Breach Of Honor
- Give Yourself the Opportunity to Surprise Yourself
- Marathon or Sprint, the Finish Line is the same.
- Dear Banker, Let's Talk About The Turnaround
- Dear Banker, Why Doesn't Anyone Survive Your Workout Department?
- Get Ready For The Recession Roller Coaster Ride
- Dear Banker, Why Put A Lien On A Home That Lacks Equity?
- Dear Banker, Third-Party Representation Ensures The Best End Result
- Being The Second Expert In
- Dear Banker, What Is The Real Value Of An Upside Down Going Concern?
- Dear Banker, Something Is Better Than Nothing So Let's Work It Out
- Dear Banker, Why Do You Ask For The Impossible?
- Dear Banker, What Value Do We Use For Assets?
- Dear Banker, Why Go To The Lawyers So Quickly?
- Workouts: It Adds Up, Do The Math, It's Basic Arithmetic
- Dear Banker, Aren't 401Ks Protected Assets?
- BankerLetsTalk.com – What's This All About?
- May(27)
- Using Credit Card Merchant Machine Financing May Indicate You Need A Workout
- Smaller Margins Are A Growing Problem But There Is A Cure
- The Challenge Of Valuing A Going Concern For A Losing Business
- The SBA trying to collect retirement accounts – When will it end? -UPDATE
- Book Review by Joseph Conforto, A Second Wind All-Star
- It's Best When The Owner Is In Operations
- Work, Earn and Save Families One Business At A Time
- Small Business Owners - Educate Yourself!!
- 10 Rules For Surviving The Recession
- New Businesses Beware – The Rules Have Changed
- Stay Open For Business And Compete
- SBA Loan Application Fraud
- Challenging Times Call for Adequate Support
- Don't Do It All On Your Own
- THE BOOK
- What to do when landlords collect hard
- Quit The Juggling Act – Business Is Not A Circus
- It's Official, Malls Are In Trouble, Get Out Now
- Paying Loans Until Your Business Dies Is Not The Honorable Thing To Do
- Women In Business - Do Your Debt Workouts
- Never Hide A Seller Take-Back Note From The Bank
- Another Example Of Corporate Bad Behavior
- All Work Is Honorable
- Rights vs. Right!
- The 11th hour
- Forget the Lawyers, I'll just represent myself!
- You Have Ended Your Business – Now What?
- April(25)
- Pay Bonuses, Incentive Checks, With A Separate Check
- Never Use Personal Savings To Fund Your upside down Business Operations
- When Gas Prices Goes Up, Business Goes Down
- The SBA trying to collect retirement accounts - When will it end?
- There Is A Better Way To Accomplish Short Sales
- Hope
- I Have Hit A Nerve – SBA Loan Brokers Understand
- A Tip of the Hat
- Differences Make All The Difference
- Start A Movement – Save A Small Business Today
- Reinvent Your Business Through Product Reinvention
- Despicable Banker Tactics
- Why Business Owners Hate Bankruptcy
- We Save A Financial Life, You Earn A Commission
- Enter The Working Class Hero
- A Bankruptcy Alternative That Really Works
- Family
- Successfully Navigating The Downturn - Book Available Now!
- SBA Loan Originators Are Asking Us To Help their Borrowers
- Don't Let Debt Interfere With Selling Your Business
- Women In Business, You Are Needed
- Involuntary Bankruptcy Is Usually An Empty Threat
- Life is rough enough without the debt.
- Pay It Forward
- PRIDE ... Results
- March(25)
- The Art of Prioritizing
- SBA will not entertain "global" settlements
- Just In Time Doesn't Always Work
- Internet Marketing Is A Bigger Challenge Than I Thought For Many!
- SBA Loan Brokers, Your Clients Need This New Service
- Internet Marketing Is A Must – Here Is How To Do It Well
- Business Brokers, There Is A Better Way To Sell A Business
- When Partners Disagree The Business Must Take Priority
- The "F" word is more prevalent in today's society
- Debt Forgiveness Is The Key For A Successful Sale Of A Business In Today's Market
- Over 600,000 Businesses Closed In 2010 And It Didn't Have To Be That Way
- You Must Have An Exit Strategy
- Public Embarrassment Is Nothing To Fear In A Workout
- When Your Business Doesn't Work, End It
- Runaway Unsecured Vendor Debt Be Gone!
- Trust but Verify
- When the Banker is on your side.
- Unsecured Vendor Debt Is The Problem For Many
- You Must Know Your Business Numbers
- Thousands Open New Businesses Amid Economic Turmoil - Are They Nuts Or Visionaries?
- Debt Workouts Can Be Enormously Successful:$1,037,000 settled for $20,000… 2%!!!
- Papa's Got A Brand New Bag - Satchel, Man Bag or Manpurse
- Entrepreneurs Are So Focused On Winning, Sometimes They Do Not Even Recognize That They Have Already Lost.
- You Have No Better Option then This One, unless you allow emotion to rule.
- I'm Taking My Second Chance... Will You Take Yours?
- February(26)
- Another Offer in Compromise that took forever! but was worth the wait
- Walking the careful road
- I Am Not For Everyone Though I Wish I Could Be
- Small Business Owners Keep Forgetting Their Real Competitive Advantages
- Overcoming The Arrogance Of Corporate America – Small Business Must Lead The Way
- MY FRIEND ... MY MENTOR
- Don't Let Your Lawyer Or Accountant Make Your Decisions For You
- Breach With Honor, Cure With Respect And Own The Results
- Bank Psychology 101
- Better Late Than Never
- Better Lucky than Good
- Raise Prices For More Profit Or Lower Them For More Revenue?
- Some Entrepreneurs Are So Focused On Winning They Do Not Recognize They Have Already Lost
- Don't Forget Your Personal Guaranty When Filing A Personal Bankruptcy
- Successfully Navigating The Downturn – The Book Is Now Available
- 300k Readers Learning How To Navigate The Downturn
- Banks Are Forcing Payment Current Borrowers Into Workout And Liquidation
- Stop Worrying About Your Ideas Being Stolen
- Union Greed Is Out Of Control
- FDIC Bank Closings - We’ve Been Down This Road Before
- Success Is All In The Context.
- The Obstacle Preventing You From Reinventing Your Business
- Underwater Commercial Real Estate Dragging Down Your Business?
- Flattery Can Get You Everywhere
- Don't Give Away Your Profits
- Character Is An Important Element Of A Successful Workout
- January(32)
- So they got a judgment... I guess you really owe the debt now!
- More and more offer in compromises are structured
- Write the Check
- The 2 year offer in compromise
- Taming the Beast
- BUSINESS MULLIGANS
- Foreclosure Based On Technical Default Is Increasing At An Alarming Rate
- The Real State Of Your Business And Personal Net Worth
- If Your Business Is Losing Money It's Worth Less Than You Think
- We Have The Right Workout Strategy For Any Business
- Be Prepared To Throw Away Your Agenda
- Debt Workouts Are Not As Hostile And Dangerous As You May Think
- Forget The Classic Business Plan Unless You Are In School
- Why Banks Like To Work With Us Despite Deep Debt Forgiveness
- You Can Only Do Your Best And Then Ask For Help
- Can You Ever Qualify For Another SBA Guaranteed Loan If You Default On One?
- Confidence Vs. Conservatism
- The Hidden Advantage Of Hiring A Workout Specialist
- $1.5 Million Settled for $50K!!
- Break Your Own Rules On Guarantees And Return Policies
- Stick With It... It's Almost Always Worth It
- Flatten Your Organization If You Plan To Eventually Sell Your Business
- Expand Your Territory Internationally
- Beware Of Bankers Making Demands For Additional Collateral
- Even The Banks Know That You Are Entitled To A Paycheck
- Stop worrying About Being Forced Into Bankruptcy By Unhappy Creditors
- Teach Your Employees To Respect The Chain Of Command
- If You Are Going Through Hell Keep Going
- Nature's Fog Vs. Economic Fog
- Educate Yourself To Do Business Successfully
- Strike!
- Free Goods And Services Can Earn Significant Profits
- December(14)
- 2010(372)
- December(37)
- New Year's Resolutions For 2011 - Onward To Profitability And Success
- Contractors, Beware The Dreaded Disease Known As Deposititis
- What Is A Preemptive Workout?
- Have You Made Your Plan For Next Year?
- Trust But Inspect
- Not A Typical Holiday Wish But The One You Should Pay Attention To
- Very fast turnaround on an asset sale - a quick workout
- How To Hire Successfully
- Let's Talk About Your Business Real Estate Again
- SBA Loan Workouts May Seem To Take Forever
- Tis the Season, BEWARE
- Lose The Real Estate And Save The Business, Part 2
- Just Doing The Workout Is Not Enough
- It's Employee Review Time - Here's The Way We Do It
- Think Before You Borrow
- Offer in Compromise Accepted in Three Weeks
- Never underestimate the power of landlords...
- 2011...time to dust off the documents and call
- A Christmas Season Survival Guide For Small Business Owners Facing Decreased Revenue And Choking Debt
- SECOND WIND - "SECOND CHANCE"
- Not everyone qualifies for a workout
- The Time Is Ripe For Mentoring
- Life Abounds
- Check Your Progress Daily, Weekly, Monthly, Quarterly And Annually
- Consider Direct Sales When Reinventing Your Business Model
- Make The Shopping Experience Your Ultimate Competitive Advantage
- Remember the Little Guy
- Do Your Estate Planning Before You Default
- Post #1000: Survive, Adjust, Emerge, Succeed. We Know The Way!
- Your Survival Depends On Your Business Skills
- You Need To Get On Board The Technology Bus
- Equipment Leases Can Be Worked Out
- From Blog To Book – Maybe A Movie Next!
- Tenacity And Commitment – What Marathoners And Small Business Owners Have In Common
- In The Moment
- The Power of the Budget
- You Saved Nothing For Yourself?
- November(33)
- Sometimes Foreclosure Can Be A Valuable Tool For The Borrower In Default!
- Credit Card Workouts Made Simple – The Do It Yourself Manual
- Risk
- We Can Definitely Work Out Debt Unpaid To The Unions.
- Is Your Business Due For A Name Change?
- Another Reason To Be Thankful On Thanksgiving
- The Banks Will Resort To Sneak Attacks On Occasion.
- Hurry up and Wait
- Eataly Is Reinvention At Its Best.
- How To Successfully Navigate The Downturn.
- Business Is Theater––How Entertaining Is Yours?
- Are You Marketing Negativity? Stop!!
- Why Lenders Will Never Negotiate Loan Forgiveness
- Procrastination Only Paid Off in High School, Not Business
- When you're in the right, there's no need for high powered negotiations
- Let History be your guide in the New Normal
- Letting go of the dead weight, painful but often necessary...
- A Workout Result Is Not About What You Can Afford
- Do You Know How Your Employees Are Treating Your Customers?
- Honorable
- Should You Brand Yourself? It Depends.
- What Is Your Vision? Do You Even Have One?
- Entering default without a plan?
- Most Borrowers In Default Do Not Want To Do A Workout.
- The Secret To Successful Telemarketing.
- The Effect of Lawyers on Workouts.
- Don't Be Controlled By Your Emotions. It Doesn't Work.
- When Is Bankruptcy Better Than A Workout?
- We Are Not Afraid To Say NO!
- You Must Do More Than Just Workout Your Debt.
- A Leader Follows in Front
- All Banks––Large, Small or Local––React The Same Way.
- Hope Is NOT A Strategy Or A Plan, It Is Desperation.
- October(42)
- Selling strategies that work in every business
- How To Successfully Reduce A Commission Rate Or Paycheck.
- Welcome To The Entrepreneurs' Club Of Terror.
- A Workout Strategy May Require Many Bites Out Of The Apple.
- Focus on the Facts
- Second Wind Gets Everyone On The Same Team, it Works Out To Work Together
- Building Inventories In Anticipation Of Increased Demand? Don't.
- No One Likes Being Ignored, Especially Bankers!
- Preserving Relationships When Defaulting.
- Living With Pain...Why?
- Why lenders won't negotiate better terms on an SBA guaranteed loan
- All Customers Are Not Equal. Prioritize.
- You Think They Lost Your File? Think Again.
- Have You Lost The Fire In Your Gut? Workout The Guaranty!
- Flatten Your Organization A Little Bit At A Time? No!
- Before debt relief and after debt relief... your transformation....
- My Business Is My Life. If It Fails, I Am A Failure Also.
- We Seldom Hear The Word "NO" In A Workout.
- How Good is Good Enough?!
- #900. 1.5 million businesses closed last year, it did not have to happen.
- A 50% Discount Is Not Enough!
- Listen. You Cannot Afford Not To.
- The #1 Reason Businesses Fail.
- Franchises in workouts
- Patience Is A Requisite For A Successful Workout.
- No One Is Talking About Quality In This New Economy.
- The 18-Month Default Rule, Be Careful.
- Selling High-End? Discounting Is The Way To Go.
- We Are More Than Just A Bank Statement
- The truth, the whole truth and nothing but the truth!
- Passion
- The Power Of NO! It Can Make You More Money.
- 250,000 Visits To Our Blog! We Are On A Mission, Saving Families One Business At A Time.
- A constructive piece of legislation or much ado about nothing?
- Small Business to DC, can you hear us now?
- "Too good to be true!"
- Small Local Banks Require A Different Workout Approach.
- You Cannot Lose When You Know Your Opponent's Playbook!
- Do Not Borrow Now, Especially To Pay Off Debt!
- Offer In Compromise, SBA Guaranteed Loans. What’s It All About?
- Reinvention Revisited: Restaurants, Retail And More.
- Why Are We So Successful With Offers In Compromise?
- September(38)
- Tax issues? They are no joke!
- Escape
- Marginal Productivity of Debt, an Important Lesson.
- Positive Cash Flow: A Paycheck At Last!
- Non-Profits, It's Time You Ran Your Business As If It Were For Profit.
- If You Are Not Taking A Reasonable Paycheck, You Need A Debt Workout.
- Do You Know What Your Salespeople Are Doing?
- A Classic Mistake: Expanding Distribution Before Your Customer Demand Is Established.
- A Loan Modification For Your Commercial Loan? Forget It.
- Remember Your Key Employee’s Spouse!
- The Three Basic Components Of An Effective Turnaround.
- Introvert Vs. Extrovert
- Emotion doesn't work, in the business arena, give it up.
- Make an enemy an Ally
- Be careful of scams!
- Inflation? What Inflation?
- The effectiveness of transparency
- What About Your 401k Or IRA In A Workout Situation?
- Referrals: The Best Prospecting Tool For Adding New Business.
- How Much Should The Offer In Compromise Be?
- The Qualities Of A Successful Entrepreneur.
- Life is Negotiable
- Where Are We Going From Here? What Is The Future Of Small Business?
- The Bank Is The Problem When Working Out A Defaulted SBA Guaranteed Loan, Not The SBA.
- A Vote Against
- The Face of a Company
- Why Do Banks Use Foreclosure And Auction As A Final Resolution When It Produces The Worst Possible Result?
- Enough Whining. Put On Your Game Face And Show The World How Successful You Are.
- Every Procedure Must Be Systematized To Be Effective And Long-Lasting... Its The Only Way.
- Selling Your Business? Be The Bank!! But First, Do Your Workout. It May Be The Only Way To Sell Your Business.
- Everyone In Your Organization Is A Salesperson; Make Certain They Are Trained And Understand This Responsibility.
- Secured Bank Loan Workouts Ridiculousness... Take Note, Do Not Listen To Your Banker.
- What Works In A Workout Negotiation? A Classic Win-Win Approach And A Third Party Expert Representing The Borrower.
- How To Price Your Product Or Service.
- Second Wind A Scam? Too Good To Be True?
- A Great Answer: “I’ll Get Back To You.”
- If You Go To A Bankruptcy Lawyer, You Will Go Bankrupt. There Is Another Alternative...
- Let Your Employees Solve Your Issues.
- August(30)
- What Is Your Corporate Culture? Is It Working?
- The Horse Is Out Of The Barn... And THEN You Close The Door?!
- To Develop The Best Business Model Possible, Political Correctness Must Go.
- High Standard = High Results
- Secured Bank Loan Workouts.
- Booked Sales vs. Accounts Receivable Collections vs. Cash Flow: Understand The Difference.
- Direct Connections Are Better Than Layovers
- It Is A Blood Bath For Small Business But We Have The Answers.
- 11 Places Where Your Cash Is Hiding, Causing You Cash Flow Nightmares.
- Don’t Give Up! Quitting Is Not An Option.
- Verification can be Scary!
- High End Or Low End... Which Is It?
- Sunk Costs? Forget About Them.
- Too Good To Be True? Our Credit Card Workouts Are Very, Very Good.
- Balance: The Key To Your Total Success.
- Squeezing Profits Just To Get The Job? Stop!
- Reducing Profit Just To Get The Job? Stop!
- In A Workout, Must You Be In Default On All Your Credit Cards?
- Downsizing, Debt Workouts, Reinvention, Marketing… The Path To Successfully Navigating Today’s Economy.
- Collateral Damage In A Workout Is Sometimes Unavoidable.
- Accepting the Settlement... On Our Terms
- Acknowledge Your Repeat Customers!
- Our First Task: Reviewing Your Financial Condition And Protecting Liquid Assets Or Remaining Equity.
- The 14 Month Short Sale Closes!
- Get Rid Of Your Inventory Now, At Any Price.
- Applying For An SBA Guaranteed Loan? Do NOT Allow Your Spouse To Co-Sign The Guaranty.
- Finding a Back Door
- Success and Failure
- Are You Aware Of What Your Competition Is Doing?
- What If I Want To Do A Loan Workout But My Partner Doesn’t And We Both Guaranteed The Loan?
- July(33)
- A Successful Growth And Development Plan You Can All Learn From… And Do!
- Having buyers find financing can often be a challenge
- Believe Me, Equipment Leases Can Be Worked Out!
- Ritual And Ceremony… In Your Business???
- Take Advantage of Creditors Monthly Quotas
- The CEO/Owner Must Be Involved In Sales Activities.
- Getting the bank to work on OUR schedule.
- Landlord Settlement
- Success Outside the Box
- Tell Us Your Story--Your Family And Employees Are At Risk. We Are Listening And We Care.
- A Four Day Work Week... For The Summer, At Least. Why Not?
- Stop Making Partial Payments On Your Loans. Default Is Default. Do The Workout.
- Limited Availability: A Tried And True Marketing Strategy.
- When You Owe the Bank…What’s Your Legal Defense?
- $200K lease obligation settled for $5K
- Lost Your Lease, Going Out Of Business… A Total Loss.
- We Are Winning. The Battle Toughens But The Banks And SBA Are Giving Us The Workout Results We Need: Debt Forgiveness.
- Your Obligation Is To Survive And Reemerge.
- George Steinbrenner Showed Us Another Way To Successfully Manage.
- Apple iPad: The Best Thing That’s Happened To My Business!
- Not Prepared For Victory… And No Wonder.
- Unbelievable
- Water and Stone.
- End Run
- Part 3: Something Is Missing From Your Business Model.
- The Signs Are Not Good. Be Careful, Do Your Debt Workouts Now.
- Part 2: Something Is Missing From Your Business.
- Lose The Real Estate, Save The Busines, part one.
- Something Is Missing From Your Business Model… Here It Is.
- Our Debt Workout Strategies Have Almost Total Success, Every Time.
- Keeping Your Banker Happy During A Workout Scenario Is Not About Doing What They Want.
- Enough! It Is Time To Fight Back And Protect Your Business. You Are Under Attack And Have Taken A Big Enough Beating.
- Good Marketing Beats A Great Product.
- June(43)
- So What Happens If The Workout Does Not Work Out?
- Firing An Unproductive Employee Is Easy, But Is It The Best Route To Take?
- Test, Test, Test Or Fail, Fail, Fail In Today’s Tougher Market.
- OK, You Attacked the Banker, Threatened Litigation and Had Your Lawyer Write A Threatening Letter. Now What?
- 2.5 Million in debt forgiven!!
- Completing an Offer in Compromise with Little Cash? No Problem!
- Setting the office record for the lowest priced asset sale…
- Why Is It So Uncomfortable For Many to Collect Past Due Receivables?
- Why You Must Be in Default to Do a Workout
- Stay Ahead of the Downturn…Get to Know TED.
- Sue the Bank? Because You Can't Repay and They Did Something You Do Not Like?
- I Have a Secret That Will Solve Your Employee Issues.
- The Dreaded Judgment!
- Father’s Day… What Can We Learn From This Day That Can Help Us Be Better Small Business Owners?
- I'll Get Back To You About Doing a Debt Workout; I Have To Ask My Wife First...
- What's This "Reinvention" Thing Mean?
- Fear: The Major Barrier Preventing Debt Workouts.
- Educating Lawyers
- Holding Back the Tides
- Socioeconomic hara-kiri & ‘holding the bag’.
- Be Smarter than our Politicians…When it isn’t Working, Change Course
- When the bank refers the account to a law firm, HOLD PAT!
- Borrowing to Pay Past Due Debt? Don't!
- The Economy is Not Getting Much Better, But Some Businesses Are Doing Great. Why?
- $365,000 in debt settled for $12,000... PAID OVER TIME!!
- Debt Workouts Require a Leap of Faith. Get Over It, You Have No Choice!
- No matter how much they want to, a bank cannot foreclose on goodwill
- Every Business Can Run Profitably, Even Now!
- Honesty Is the Best Policy: What Our Mothers Taught Us Long Ago Still Rings True.
- How To Be A Great Hockey Player and A Great Small Business Owner.
- Why Don't Attorneys Like Our Debt Workout Strategies?
- Debt Relief Services Success Stories
- A Flat Organization Works Better Than a Pyramidal One.
- Unsecured Vendor Debt... Be Gone!
- Successfully pushed a defaulted loan into workout
- No matter how delinquent you are, its better to stay and fight than to run away.
- SBA Corrects a Major Injustice… A Little Bit. Disaster Loans Can Be Worked Out… A Little Bit.
- Surprise! Trying Your Hardest and Doing Your Best Doesn’t Work.
- Postpone a trustee sale in the blink of an eye
- The One man, "Good Cop, Bad Cop."
- Honesty IS the Best Policy
- Another Example of Reinventing Your Business Model.
- "Arm's Length" Buyer in a Workout... What's That?
- May(18)
- Real Estate Crash…No Problem for Our Clients
- A Dozen Indicators That Say You Need A Debt Workout.
- Don’t jump the gun, that’s what creditors want
- Successfully Navigating The Downturn.
- SBA Guaranteed Loans in Default: Local Seminars to Explain Your Options.
- Credit Card Victory
- An Easy Way to Understand How Bad Our Economy Is, and What You Need to Do to Survive and Prosper.
- Banker demanding six figures for assets, settles for $28K
- Two Secrets to Achieving Successful Workout Conclusions
- Don't Believe What You Read in the Newspaper; It Does Not Apply to You.
- Sometimes We Have to Throw a Hand Grenade Into the Kitchen!
- A Workout Is an Honorable, Appropriate, Responsible Solution to Loan Default.
- The Magic of a Workout
- Hunker Down, We Are In For a Roller Coaster Ride. PREPARE. You Must Act Now!
- Testimonial 1
- “Fair” and “Reasonable” In a Workout?
- Do Not Be Disappointed; The SBA Acceptance For An “Offer In Compromise” Is A One-Sentence Email.
- It’s Happening Again. Deja Vu. Banks Are Calling Performing Notes!
- April(17)
- A New Twist in Outsourcing Jobs. Beware... This Will Spread.
- "Small Business" Does NOT Mean 500 Employees and $10 Million in Revenue.
- Let's Talk Business: Successfully Navigating the Recession. The Book Is On the Way!
- If You Borrow Money From Your Family, You Need To Do it Right... For Reasons You Are Not Even Considering.
- You Must Inspect Your Employees’ Work Efforts For Measurable Results.
- Force Revenue — It Is Your Lifeblood.
- There is No “Wait and See.” There is No “Neutral.” If You Are Not Moving Forward, You Are Moving Backward.
- You May be Throwing Out Valuable Revenue...
- It Happened in Texas in the Late 80s: Bankruptcy Filings Spiked as the Economy Rebounded! What Can We Learn?
- Productivity vs. Overhead: A Battle That Must Be Won.
- If You Are Not Going Forward You Are Going Backwards. There is No Neutral. RELENTLESS PURSUIT is the Watchword.
- Sales Commissions May Not Be the Best Way to Motivate Your Sales Department.
- Assumption of Debt is Valid Consideration For Purchasing a Business… Use It.
- Testimonial 2
- The Long Haul
- Out of Capital? Running Below the Break-Even Point? Not Taking a Check? Admit It, It’s Dead. Bury It.
- Ownership. What Does It Mean?
- March(15)
- There is Always “Hair” On a Workout. Yes, Each Workout is Unique.
- Stop Pretending the Economy is Getting Better...do the debt workout.
- Pssst! A Warning to Married, Male Business Owners…
- Management By Wandering Around (MBWA). Do it. It Works.
- Divorce May Be a Great Asset... in a Workout.
- Breaking the Bank
- The Finish Line
- Post #700: It's Time For a New Plan and Action. You Have Waited Long Enough.
- Enough! Know When to Pull the Plug and Shut Your Business Down. It is Your Business, Not Your Child.
- An Invitation to Female Small Business Owners: Survival.
- Current but nervous?! Do the workout!!!
- Testimonial 3
- Be aware of the savvy consumer, you cannot fool them. They know what they want.
- Do not be disappointed, the SBA acceptance for an Offer in Compromise is a one sentence email.
- "We Have Written Your Note Off." So What?
- February(34)
- Female Small Business Owners: Where Are You?
- Beware of irrational behavior. There is no defense against it.
- Disaster loan is a disaster, debt workout and debt forgiveness is almost impossible.
- The Taste of Victory
- Passion, Good or Bad?
- Female Small Business Owners: Where Are You?
- “I am working with my bank and they are cooperating…” Forget it! Keep dreaming, it ain’t so.
- Deflation: A debtors' Worst Nightmare
- Eight facts often overlooked that you need to know about your customers to effectively sell to them
- The Banks Perspective On Collecting Receivables
- Reluctant Entrepreneurs: Necessity Driven, Not Opportunity Driven
- Join The Revolution – Small Business Debt Forgiveness Is The Answer
- Climbing the Ladder
- Knowledge Matters
- Need to workout defaulted debt with your bank? Stop believing your banker.
- Modern Day Honor
- Shades of Grey
- Our clients are so impressed with our results they become our reps and spread the word, helping us save America one business at a time!
- Sometimes it's Time to Go.
- The Power of Vacancy in a Down Economy
- Why bankers sometimes are so unwilling to compromise?
- Defaulted Bank Loan Workouts
- Mail-Call-Mail: The Right Way to Use Both Marketing Tools.
- Do not wait until you are completely submerged to do your debt workout. Act now!
- The Elevator Speech: Have One.
- The Dreaded Cold Call… Warm Up to It, It Works.
- Some small business owners do not get the basic concept of a debt workout. It is not you against them!
- The Power of Silence
- The Enemy Can Be Your Friend.
- A tough one: No mortgage on home and with a defaulted SBA debt in workout...what happens?
- Slow Growth May Mean Slow Death.
- It's Time to Adjust Your "To Do" List in a Major Way.
- A Demand Notice: The funniest part of default
- Enrollment: A Forgotten Art.
- January(32)
- Victory begins with a commitment to fight.
- Six Words To Guide You To Successful Management And Operation Of Your Business.
- When banks aren't responding to your requests, it's time to bring in the heavy artillery.
- When selling a business, do you assign the lease or create a new one?
- Is your IRA protected once you enter into a workout?
- Workouts: Modern day miracles, but are hard to stomach
- So it begins....
- Time: A Friend of the Workout!
- Credit Scores
- Losing the Small Fights
- Opting Out
- Tales From the Crypt
- How deep can debt forgiveness go when working out a defaulted SBA guaranteed loan (or a non guaranteed bank loan)?
- Debt Workouts are not a get rich quick plan.
- If you take cash from the till, you’ll pay later.
- Surviving the downturn, successfully emerging!
- There are three things that cannot be hidden: the sun, the moon and the truth - Confucius
- Inventory: Small Business Owners’ Achilles Heel
- Right of First Refusal? No, it’s a trap for the unwary.
- Vertical integration revisited: Gaining ground again. Is it right for you?
- The tipping point: Success in sight
- Cash Flow Break Even means sustainability and success
- There is hope. At least one of our corporate giants has demonstrated some level of commitment to ethical responsibility. Hallelujah!
- You have not taken a paycheck in how long? Let’s review the situation.
- Most of you are doing the same ole thing. Stop it! Haven't you learned your lesson yet?
- You have lost it all, are you going to allow it to happen again?
- You cannot even imagine the reasons banks are calling notes.
- Why are you paying so much in taxes?
- If you are still questioning the viabilty of social networking read on, it is unbelievable.
- A reminder: You must be able to walk away from a deal
- It is time for employee reviews…here is one way to do it, that is productive and meaningful.
- Service, service, service…and then more service, one sure fire path to success.
- December(37)
- 2009(281)
- December(28)
- Restaurants have been hard hit...here is a terrific workout success story
- Warning 2010 WILL be dangerous to your business health. Here is how to survive and prosper.
- It's a new year; here is your ONLY new year’s resolution.
- It’s Christmas and it has been a brutal year for small business owners, here is what you need to do.
- Follow your gut, your instincts are seldom wrong.
- Newspapers are dead or dying. A different way to develop a media buzz about you.
- Once again, there is no limit to the credit card companies and banks arrogance.
- The ultimate politically correct holiday greeting, what ever happened to straight talk?
- Free samples..... Be innovative, it works.
- Too good to be true? Our workout strategies are very good and very true.
- In a workout situation, it is NOT the bank's goal to support your growth and development so you can pay them back.
- If your goal is wealth accumulation, you may be shooting at the wrong target. Here is how to succeed.
- It is arithmetic folks, do the math… again. What choice do you have?
- Another word for a debt workout – a controlled train wreck!
- "The ultimate measure of a man is not where he stands in moments of comfort... " Dr Martin Luther King Jr.
- Shortfall liability in a short sale must be forgiven by the banks.
- There is business out there... How to get it!
- Managing your debt... it is really a waste of your time.
- It’s a tag team match, us and our clients against the Credit Card companies, and we are winning.
- Yes the SBA will sue you in Federal District Court, liquidate your house and garnish your wages forever, if you do not work this debt out.
- Saving America, one business at a time.
- An SBA guaranteed loan workout can fail because the ‘offer in compromise package’ was not designed appropriately even though the offer amount was probably acceptable.
- Landlords and small business tenants, you are both in the same boat, pull together for success. Here is how.
- Doing business just to keep your employees employed? Noble idea, but a failing strategy
- How to successfully buy or sell a business in this down economy
- Workouts do not allow for many important financial and lifestyle expenses.
- Franchise workouts, a different beast but it can be done.
- You do not have to be dead broke to do a workout.
- November(41)
- You have a right to be represented by an expert workout consultant with Power of Attorney. We are fighting this important battle for you all.
- Get back to running your business, doing what you do best. Leave the workout to pros.
- Men work, that is what they do. But in this economy you must learn new skills, or perish.
- What makes the right customer gift? What’s in it for you?
- What? An increase in new business openings. Are they crazy? NO!
- Pretend you are opening a new business…today. Stop praying for a miracle.
- "One farm at a time"... saving small businesses and their owners from the financial meltdown.
- Borrow only what you need, and make certain your business plan makes sense.
- Enough complaining, we all have an enormous amount to be thankful for.
- This is how a small business owners should celebrate the holiday season.
- Videos on debt workout and solving difficult business problems…at last.
- Post No. 600: A Tribute to our Clients who have Fought and Won
- One reason why a third party expert, a consultant, can accomplish more than the borrower.
- Turn defeat into victory!
- Taunting the Bull.
- Allies from the other side.
- Fail proof new product and service development...for pocket change.
- Hold harmless and indemnification agreement. Whaaat?
- Ok, so you lost your business and cannot find a job. Start another business.
- We found the enemy... and it is us. Part 2
- It’s true, some small business owners are doing better. Why?
- Working 24/7 and proud of it? Don't, it's a mistake.
- Make your employee cuts as deep as necessary, before all your employees are out of work.
- Yes, you must be in default to enter into a workout negotiation, universal default!
- Reminder:The collateral and your business is YOURS until the bank forecloses. Act accordingly.
- You have a responsibility in a workout to present yourself in the light most beneficial to you.
- Would you do your own brain surgery? Then do not do your own workout.
- Hard money loans, what is it all about?
- You are just going to wait and see what happens! Are you serious?
- Wage garnishment, what's it all about? Really.
- When does the collateral become the property of the bank?
- It is official, there will be no Black Friday rush or Christmas retail bonanza this year.
- I do not believe in BPO's (Brokers Price Opinion). Do not get caught in this trap.
- Being inspected by a Federal Judge... we won.
- Is it true some properties cannot be appraised?
- Clear communications, is it asking for too much? Apparently so.
- Clear Communications. Is it asking for too much?
- Why do I offer to fly in my interested potential clients to meet us?
- What bills to pay when there isn't enough money to go around?
- We Fought the Department of Justice in Court and Won Hands Down. A 100% victory.
- Is the Department of Justice Now Handling the Collection of your Debt to the SBA?
- October(29)
- Can you strip off a subordinate SBA lien or mortgage to sell the property?
- It is time to fire some of your clients
- Do not hide out. The importance of clear and direct communications and follow through.
- The Deparment of Justice, better called the Department of non-Justice.
- Reduce your rents: Landlord negotiating logic
- The single most self destructive force in an entrepreneur’s life
- Fifteen months, 3 lost sales, and we are just now getting someone to talk to us.
- Does The SBA collect equally amongst partners?
- Do not water down your mission, specializing works.
- Check it out: In the trenches at Second Wind, what happens in the back room, where the workouts happen.
- Let me remind you again, employee productivity is critical, especially in our downturn economy
- Mortgage modifications do not work
- Why do banks cancel foreclosure liquidation auctions?
- Beware of asset protection strategies, if you are in default on a loan, there are better ways of protecting yourself.
- When discussing a debt workout offer and compromise, never use a range of numbers.
- You are in default and you own a valuable minority position in real estate.
- They charged me for the chips and salsa. Penny wise and pound foolish
- The Red Sox and Patriots lost this Sunday, Why? It’s not what you think and it applies to your business.
- Shortfall liability on a short sale
- Yes, you can do a short sale even with SBA or IRS liens on your home
- What and why do Banks bid at auctions for your assets and the effect on the borrower and guarantors
- Presentation strategies, forget the PowerPoint, the value of you.
- Please stop believing your Franchisor's projected numbers, do your own due diligence.
- When you have a minority % ownership of real estate, when in default of an unrelated loan… a defensive strategy.
- A reminder: You must be able to walk away from a deal
- What happens to an SBA loan when you file for bankruptcy?
- Business decisions are exactly that, not moral or ethical issues.
- The benefit of your file collecting dust in a workout negotiation
- Landlord release: a possible benefit
- September(23)
- There should be a law against time and materials contracts.
- Customer experience, the newest focus.
- Our debt forgiveness strategy, the only Small Business Bailout program available, and it works!
- Debt forgiveness, providing a second chance for small business owners.
- Solving difficult business problems, building profitable business organizations.
- Lessons learned from small business hand to hand combat figuring out what works and what doesn't work.
- A debt forgiveness workout requires a leap of faith. Leap, we will catch you.
- Assignment of notes or contracts... the strategy.
- How lawyers sometimes inadvertently prevent business conclusions.
- The Banks will not negotiate debt forgiveness for a defaulted SBA guaranteed loan, unless...
- How long does a loan have to be in default before foreclosure auction occurs?
- What are you waiting for, workout your debt now! Bankruptcy is NOT the only bailout plan for debt forgiveness
- Unique insurance for older buildings
- Profits are being squeezed by more than just reduced revenues; it’s a new buying attitude.
- You cannot afford to be the bank for your clients…do the math
- What not to do in a debt forgiveness workout negotiation, and we see it all the time.
- How to negotiate a debt workout when your lender is vehemently opposed to settling?
- One sixth of all construction loans are headed for default...call us quickly, we have a plan.
- Second Wind Consultants take their small business bailout plan, a debt forgiveness battle, to the streets…in MA and NH.
- Don’t attempt to negotiate debt forgiveness in a workout situation. There is a better strategy.
- Up sell…down sell…. works with more than just French fries.
- The hidden power of the second UCC position. Be careful.
- The importance of attention to detail, the zen affect.
- August(13)
- IRS non-collectible status? Good news, not really.
- You say the SBA does not have a mortgage or lien on your house so ‘its safe!’ Not so!
- Lets have a party!…and improve your business.
- Going for the business home run!
- Who ever said 2%10 net/30 is a requirement? What are your invoice terms?
- Orphan products? A new key indicator?
- Retailers, wholesalers, everyone….be prepared, there will be no Christmas this year.
- NY dealers pull out of clunkers program
- "I do not have the time to do what I need to do, I am to busy doing less important tasks"
- Use your resources, equipment, employees, facility, as much as possible!
- New financing contingency protection when purchasing real estate!
- SBA Offers in Compromise: The rules are changing for debt forgiveness!
- 6459 business close in Connecticut during the first 6 months of 2009! Debt workout would have saved many.
- July(17)
- What is really happening with our economy...these experts offer you their opinion.
- Logo Graphics….reasonably priced, great results.
- Success is based on disciplines practiced daily.
- Minimum wages up to $7.25, July 24. If that hurts, don’t worry, you won’t survive anyways.
- Ok, your small business has ended and you have to get a job, how do you do that?
- Does your business have the ‘most of something’? If not, get there. Now.
- What should you pay your employees and yourself?
- Yes we now do debt workouts for credit cards as well as secured bank debt.
- Enough with the insurance companies beating up the health care industry, this is what you do about it.
- A new SBA excuse not to settle, future potenial earning power….dangerous ground, they are getting desperate.
- SBA answer in an hour!!!! Fast Food service for loan workouts!!!!
- When entering into a workout, you will probably be sued, with a judgement entered. So what.
- "Where have all the leaders gone?" Lee Iaococca
- Watch this video...It is July 4th, it is time for the second revolution, here is your invitation...show up!
- What happens when a bank refuses to accept an Offer in Compromise for an SBA guaranteed loan?.
- Bankers occasionaly make emotional decisions.
- Read this if you dare...the SBA personal guaranty. Yes hard to believe.
- June(29)
- Post #500, a milestone: 50 ways to succeed….what works.
- Fee structure must be redesigned to adjust for todays economic and business conditions.
- Managers manage systems, systems manage employees.
- Small Business Owners are not talking about their financial problems. It is time to come out of the closet and get help.
- Bankers are demanding defaulting borrowers liquidate their IRA’s and 401K’s to pay down debt?? Outrageous!
- Here I am, more web 2.0 locations, its beginning, check me out! Facebook, Tweeter, YouTube, blog
- Fathers Day Post #3: What motivates a small business owner?
- How deep are your cash reserves?
- Want to buy or sell a business? Remove the debt first.
- The Market Ticker, by Karl Denninger, an extreme view of business world
- A workout plan, how can I be sure it’s going to work out? What’s my guaranty?
- Now what do you do with your IRA, 401k, and 403b?
- Some of you are holding on to your business way too long.
- You cannot ask the bank if they are willing to reduce your loan.
- Credit card debt does not go away...you must work them out
- Outselling your competition, when they have advantages over your product or service.
- You must take risk to succeed.
- SBA does it again, disaster loans are a disaster, another bad deal.
- Yes the banks can be very incompetent.
- The answer to the age old question, what does a salesman sell?
- Why do banks resort to foreclosure auction, when it yields the lowest return?
- New release on SBA Recovery Capital loans (ARC). Another silly SBA program.
- I am Tweeting….follow me…lets see if this web 2.0 social networking thing works.
- What can a bank do to liquidate collateral for a defaulted loan?
- Not what you think they want... but what they need!
- The Rule is: first secured priority wins... subordinate debt loses.
- I am doing it…twitting… web 2.0…follow me if you dare.
- SBA have you forgotten your mission…again?
- Has the SBA completely lost their mind? I think so.
- May(26)
- Protect your liquid assets, if you are in default take your name off your family accounts.
- The latest bank trick for landlords in default.
- Locked onto the headlights of an oncoming truck....looming disaster.
- When challanged by overwhelming debt, like in sports, you have to put the ball in play for something to happen.
- Should I start a new business in the middle of a recession? Of course!!!!!
- Wake up SBA! The new Cobra supplement package should cover ALL small business employees.
- Let your customers determine your product mix and price points… not you.
- Web 2.0: Blog, Twitter, Facebook, YouTube…Social networking!
- Think twice, perhaps you should NOT attempt to preserve your business opportunity. In fact, get out while you can!
- Walk don’t run to greater success
- Be careful. Banks are shortening their default requirements for SBA guaranteed loans in default.
- American Small Business League, fighting our battle.
- We will fly you in to meet us.
- Something good is happening at the SBA. Offers in Compromise are being turned around much more quickly!
- Yes, it is going to get worse, further erosion of small business credit...prepare.
- Signs of love from the SBA on the workout side...but it won't work, it's the wrong answer.
- America's Love Affair With Malls Is Over
- Seller Financing Has Two Hidden Advantages
- Going Concern Value Is A Mystical Concept When The Business Is Not Profitable
- Banks And The Credit Industry Are Busy Taking All Our Rights Away
- If you can't pay...don't!
- One Way To Increase Revenue During This Recession
- One Small Businessman Who Gets It
- Why are the Yankee-Red Sox games usually so exciting? What does this mean for your business.
- The SBA Drives Another Stake In The Heart Of The Small Business World
- We Can Save Your Business, Your Home And Your Lifestyle
- April(24)
- It's not working. The SBA cannot even give money away through the banking system. Seller financing is the answer.
- Obama doing too much? A perfect example of how well flat management works.
- The banks are doing it again, trying to deny you your right to representation.
- Take the judgement, whats the difference
- What motivates your banker? Embarrassment and fear of losing his job!!!!!
- Welcome to the future. How social networking works for small business.
- How to implement successful action plans…
- Design an effective training program and most of your employee issues are over!
- Throwing good money after bad…
- Understand what a UCC does and means.
- The fox, your banker, is in the hen house... again and you opened the gate and invited him.
- The Most Valuable Reward Possible For An Employee Is Not Cash
- Workout Help is on the way... Our small business bailout program now has direct representation in Florida and New England, other areas soon.
- Follow up failure, a curable disease. Increase sales revenue dramaticaly, with little or no additional cost.
- The Real Effects Of The Economic Meltdown
- A small business bail out plan....that works. Based on debt forgiveness, it's as good as cash.
- If In Default, Change Banks And Accounts Today
- Quality And Good Deals Are In, Frugality Is Chic
- You should have already made the necessary downsize adjustments, now what?
- What is the collateral for your loans really worth?
- Getting Paid To Manage Your Own Workout
- Admit mistakes, do not make up stories, tell the truth to the bank in a workout.
- A More Effective Way To Organize Your Office Plan
- Its not automatic, the SBA offer in compromise process REQUIRES bank support
- March(22)
- The Only Small Business Bailout Plan Available
- Trust but verify…. always, but definitely when buying a business.
- SBA to the rescue!! More money available for existing SBA borrowers having trouble paying their SBA guaranteed loans. Just what we need!
- What to Expect in this Economy and Why
- Lost your business? It may be time to turn your hobby into your next business!
- What we can learn from the greatest entrepreneur of all.
- SBA encourages participating banks to provide payment deferrals. If only it were so!
- Why your trade magazines are one of the most valuable tools imaginable.
- Obama's new initiatives from SBA, our bailout plan!!! It does not look very bright.
- Managers manage systems, systems manage your employees.
- Why an LLC?
- Some Bankruptcy Courts Are Making Debtors Pay Credit Card Debt
- How often do you do cash flows? Hourly, daily, weekly?
- What It Means To Reinvent Your Business
- What Is Preventing You From Being A Good Manager?
- Who Gets The Cash From The Liquidation Of Business Collateral?
- Auto Expenses Can Be A Very Valuable Tax Write Off
- Determining A Reasonable Offer In Compromise
- So you have lost your high paying job....and cannot find a new position....what next?
- #400....Unprecidented opportunity exists during this economic meltdown, for those who see it... and act.
- Here it is, our non-profit format…
- Surviving this economic downturn requires a second bid, or third or fourth, we are in a massive downturn, competitive bidding is a neccessity.
- February(13)
- Too much gloom and despair...it does not do us any good.
- Enough with the law suits, there are better ways to resolve issues.
- Social Media Works In The Business Arena
- Renegotiate your lease….you have no choice, nor does your lessor.
- Your relationship with your banker with a defaulted SBA guaranteed loan.
- The tragic flaw of an SBA guaranteed loan.
- New Borrowing Opportunities For Women In Business
- Sleep On Your Decisions Before You Commit
- We have created a non-profit business, DEBT RELIEF SERVICES INC., to provide debt workout services for business owners who have lost their business.
- Be forwarned, be very careful, curent economic conditions can result in extremely bad decisions.
- Facebook Is The Next Wave For Business Application Potential
- Delegating With Authority Is The First Step To Flat Management
- Downsize even if you are still expanding, holding steady, or losing ground!!
- January(16)
- Reinvent Your Business Or Perish
- Who rejected your offer in compromise for a defaulted SBA guaranteed loan workout?
- NO Business Will Escape This Downturn
- The Only Answer Is A Debt Workout
- Buy The Assets, Not The Business
- The Tax Man Has A Heart!
- Do not make this common mistake…’exaggerating’ your financial condition on a bank loan application
- If You Are Not Taking A Paycheck
- There Is A Bailout Program For Small Businesses
- A Low Investment, Recession Proof Business Opportunity
- Surprise! No negative credit issues from defaulted SBA guaranteed loans!
- Business Bankruptcy Is Not The Way To Go
- Acheive Growth In A Downturn By Claiming Your Expertise
- Capitalize On Your Unique Skills And Experience
- Some Industries Will Not Recover From This Meltdown
- When in default, do not believe your banks threats or instructions are in your best interest! Ignore them, do what is best for you.
- December(28)
- 2008(228)
- December(15)
- Entrepreneurs Are Unemployable So Make Your Business Work
- The Next Subprime Mortgage Default Tsunami Will Affect Business Owners
- Before you file for bankruptcy, consider this alternative.
- Talk to your customers, they are your ‘lifeblood’.
- There's no need to feel bad about defaulting on an SBA guaranteed loan, you're covered!
- Are you invincible? No? We must take care of ourselves and our families.
- Let’s face facts, you are probably focusing on the wrong part of you business.
- You have no option, stop contemplating and act. Change is required...now!
- Unlimited vacation time, your own work schedule... it works! So they claim.
- Invade your 401K for your business? Bad idea, but can be done without a 10% penalty or being taxed on the withdrawal.
- Anything can and should be renegotiated in todays down economy. Do it.
- What percent of your revenue should be allocated to payroll?
- Yes, the seemingly impossible is possible! SBA workouts can go very well indeed. Two recent examples.
- Small Business owners need to consider adding charitable giving to their program
- Real Teamwork, Tremendous Results
- November(27)
- How To Survive This New Business Environment
- Made in China vs. Made in America….is there a choice?
- Successfully compete against the Big Box stores and major competitors.
- The biggest mistakes made in downsizing.
- In A Workout, Your Lenders Do Not Care What You Want
- Business Etiquette 101
- Everything Has Its Price If You Dare To Find It
- Have your business inspected….its a ‘must do’.
- Cannot make payroll? What to do.
- Be More Profitable In An Hour – All You Need Is A Pencil!
- Arbitration clause vs. Litigation....which one is best for you?
- So Many Closings, So Much Opportunity
- The Essence Of A Turnaround
- 'The Turnaround Kid'...How he does it.
- Dozens of restaurants closed, one with lines waiting an hour or more.
- What a surprise, the bail out program for the home owner is a bust!
- Stop paying your mortgage and credit card debt…immediately!
- Modifying Your SBA Or Bank Loan...Not The Way To Go
- An effective low cost guerrilla marketing program for local markets.
- How Much Money Do You Want?
- How To Successfully Introduce Technology To Your Employees
- Successful Management Requires Written Systems For Everything
- SBA loans can be dangerous. Be careful.
- This Election Was All About CHANGE – Perhaps You Should Follow Suit
- Succession training, how are you doing it?
- Are you protecting your customers deposits?
- Pre-emptive workouts, the secret path to survival, for those who know...you have no viable option.
- October(31)
- Female Business Owners, Call Me For Help!
- Successfully reaching the decision maker… around the ‘gatekeeper’.
- You Can Break The Contract If Your Franchise Is Not Working For You
- Why You Shouldn't Try To Make It Up In Volume
- Productivity Is A Concept That Must Be Mastered
- How long will this 'recession' last?
- Be Positive And Defeat The Downturn
- The Parts May Be Worth More Than The Whole
- Tipping, its completely out of control...maybe its an opportunity that can benefit everyone.
- Do not take any advice or direction from the bank with an SBA guaranteed loan or from their attorneys.
- Believe It And You Can Do It
- Get Over Your Fears About Home-Based Employees
- Cross training. I never see it anywhere and it’s so important.
- Accounts Receivable Collections – Part 3
- Brokers, There Are Huge Opportunities In This Down Market
- Corporate greed must come to an end…now!
- It's Time To Buy A Business
- Co-signing a guaranty to the SBA or any note. What does it mean?
- Don't listen to what they say, there is definately mortgage money available even if your score is not perfect.
- Don’t just order an appraisal, its not a loaf of bread…get what you need.
- Creditors Are Suing First And Talking Second
- In These Mad Times We Cannot Forget The Importance Of Humor
- If You Must Perform Debt Workouts For Your Clients, Let Me Help You
- Stay In Constant Contact With Your Clients And Prospects
- The fourth quarter is coming…the Christmas quarter, are you ready?
- Cash Is King And Debt Is The Assassin
- Post # 300! Its time to act, it is clear our economy is in for a rough ride.There is much you can do to protect your business.
- Choose What By When Over ASAP
- The new bank bail out plan has a surprise sucker punch in it for the borrower.
- Why Worry About Your Credit Score When Faced With A Workout?
- You Must Be In Default To Enter Into A Workout Negotiation
- September(18)
- Any Decision Is Better Than Indecision
- What ever happens with the Bank bailout plan...prepare yourself, its time to act.
- If you are in business, you are an expert…write a book!
- Joint Ventures: A Path To Additional Profits And Revenues
- Why you need a business plan NOW, even though your not a start-up.
- Bank bail out plan, doesn't sound good for the borrowers, again.
- Bank failures, mergers and takeovers and the new government backed workout plan creates opportunity for defaulting loans.
- Smile, Your Employees Are Watching
- If increasing gross revenue is resulting in less net profit, something is wrong, do something about it!
- Are You Managing By Leading Or By Doing?
- The appropriate 'mindset' for a workout
- Waiting for the IRS lien to attach before you act...are you nuts?
- Are Debt Workouts Too Good To Be True?
- The worst employee problem: "one bad apple spoils the entire bunch" theory, it’s true.
- Do it now, decrease your costs, increase your selling prices. What are you waiting for?
- Bankruptcy May Not Be Your Best Option
- Coping With The Increased Costs Of Doing Business
- Deming says eliminate employee incentives, reviews, quotas. Thats different!
- August(20)
- Business Negotiation Works Better Than Litigation
- We may have to sue the bank to get their attention!
- The banks are calling notes, not extending or rolling notes over and are foreclosing, rather then working with you. Are you ready?
- Workouts Are Business Negotiations Not Legal Issues
- Debt Workouts For Boat Owners
- Workouts May Be The Answer To Your Truck Debt Problems
- An incredibly effective collection agency, which actually collects, who would believe it?
- Tax planning and asset protection…run your business out of two organizations.
- I Can Teach You How To Run An Effective Business
- Leadership Skills Are Forged In Times Of Crisis
- Deming’s 14 points (and 5 (7) diseases to avoid) which made Japanese industry the worlds leaders.
- W. Edwards Deming, credited with turning Japanese industry into world leaders, tells us how to do it here.
- Three Rules For Successful Marketing
- Profitable corporate social responsibility…..possible?
- How to determine if your marketing message will work.
- The handwriting is on the wall, banks are toughening their position with commercial loans, especially SBA guaranteed loans.
- Eleven misconceptions and requirements regarding the IRS, you must understand to succesully work with them to resolve your unpaid tax debt.
- I hear people blaming the current economic downturn for their declining revenues and profits. Do something about it. This time it could be fatal.
- Its called the Long Tail, the next business revolution, and its already begun.
- Thank you and goodbye Manny Ramirez, and what the Red Sox can teach business owners about "team"?
- July(18)
- Inspecting your managers, a crucial excercise in a flat (or pyramidal) organization.
- Ask for referrals?…..we never do, and what a huge mistake this is.
- Testimonials are critically important in closing sales. Here is how to do it!
- Advertising does not work overnight
- The biggest intangible issue interfering with success….ego
- SBA guaranteed loan workout myths....do not believe everything you hear
- We are not experiencing a cycle. Business, as we know it, is changing...will you survive? Two approaches to prepare.
- Thinking Of Borrowing Money From Friends Or Family?
- When to hire and fire… expansion and contraction. Simple rules.
- The company picnic, a very important event. Do not overlook it.
- The economy is depressed, overhead is skyrocketing, sales are declining, profit is shrinking. A self evaluation survey to determine if you are prepared to SURVIVE!
- The dangers of growing too fast. Some issues you may have to deal with.
- What is your business worth when it comes time to sell it?
- We Cannot Do Our Best Alone
- Do Not Forget To Celebrate The Victories Both Large And Small
- Don’t Lower The Price, Increase The Perceived Value
- What Can A Business Owner Learn From The Declaration Of Independence?
- Paying It Forward Through Free Consultation
- June(18)
- Issues To Consider When Using Direct Mail As A Sales Tool
- A new slant on team work…I have changed my position.
- How to Design an Effective Commission Rate
- Don't Let Debt Collectors Harass You Over The Phone
- Classic mistake: make your best sales person your next sales manager.
- Whats wrong with new business start-ups? Too many fail.
- Its Fathers Day and I report again. My family is run as a flat organization and it works. Perhaps your business should be flat also.
- Every small business owner needs a board of directors, or at the very least a mentor, a business consultant, someone to "do it" with.
- Inspirational quotes from business leaders who have been there and have done it.
- Stop pretending, avoiding reality and fooling yourself… get real face the facts and make the tough business decisions.
- A New Challenge In Bank Workouts
- Do You Need A Lawyer For An SBA Workout?
- A free detailed guide on how to write an excellent business plan
- You Need An Exit Strategy
- Find a market niche, exploit it and it becomes your competitive advantage.
- Seven steps to successfully handle complaints.
- Sales people cannot be allowed to manage themselves. They must be managed.
- Promote from within and train them to do the job.
- May(11)
- Customer service can be effectively trained and delivered.
- Warning…your old credit card debt may be uncollectable.
- Yes you can do something today to lower your high interest rates on your credit cards.
- Tell the truth, the whole truth, nothing but the truth….it works.
- "Choice of one", no options or alternatives, a much more effective sales strategy.
- Credit card customers are outraged at the credit companies.
- Striving for excellence or perfection, which is the right goal?
- In times of drastic change, opportunity abounds...for those who see it.
- A Blank Book and My "Man Purse"
- Beware if you ignore the IRS, they have some very powerful and damaging collection tools, levying your checking accounts and accounts receivables.
- In a workout situation, if Plan A fails, Plan B is better.
- April(26)
- IRS Offer in compromise or a payment program, choose your poison, but not both.
- If your business has tax liens...can you sell it or its assets to immediate family members?
- No means yes…just not now. How many rejections until a sale is made?
- Equity sharing as a way to provide incentives for managers to reach goals.
- Negotiating a reasonable workout with the lawyers suing my clients, a lot better then litigating.
- What ever happened to personal standards and how does this affect your business?
- Workouts are a moving target. Be flexible and realistic, affordable losses is the goal..
- If your business is not making you money, its not worth saving...Kill it.
- Alter Ego companies, fraudulent transfers... this will not work when hiding assets from the IRS or bank.
- What! As an owner you pay taxes on your paycheck! Why? You may not have too.
- #200: Business owners must lead, follow or get out of the way. Holding the course does not work.
- Buying Out A 50-50 Partner, Fairly and Easily.
- How to implement change...the most difficult task there is.
- What to look for when hiring a business consultant.
- What to do if you get an IRS agent who is overly aggresive.
- Merchant Cash Advances, they sound good...but beware, they are dangerous.
- Environmental pollution clean-up issues to the rescue, sometimes a blessing in disguise for the small business owner in debt trouble.
- The business office, the next frontier for environmental responsibility
- Customer service or price discount, which way works best for you?
- Where is the cash, most small business owners ask?
- Add a video to your blog or web site, talk personally to your market place..
- You chose to be a business owner, laugh at your mistakes, its only money.
- State and regional trade shows, a huge small business marketing opportunity, usually overlooked.
- 941 tax workouts and responsible person payments...the "source of funds" issue.
- Establishing small business lines of credit… no matter what your personal credit may be.
- Put it in writing, handshake or oral agreements do not work.
- March(11)
- Do not hide behind your lawyer, accountant, or consultant, your hired guns...Meet with the IRS, your bank and other secured creditors and lenders, it's critical for a successful workout.
- File A Homestead Declaration Today
- Why do business owners accept continuous losses and eventual self destruction?
- Most business owners deliver an excellent product, but know little about running a business. This is what you need to know.
- Do Your Workout At Your Weakest And Worst Moment
- Reduce Your Mortgage Payoff Amount And Time By Half
- In times of economic downturn, debt is the enemy. Do a pre-emptive workout before its too late.
- Create a flatter more successful organization with a "what by when" management approach.
- Banks will settle for less, its a workout.
- Facing foreclosure? Loans are available if you know how and where to look and what to do.
- The danger of negotiating debt workouts one issue at a time
- February(17)
- More about flat organizations vs. traditional pyramid type.
- Debt workout vs. Bankruptcy, a frequently considered comparison
- Turning A Workout No Into A Yes
- Workouts Require Speedy Decisions And Implementation
- How a workout works between secured debt, unsecured debt, tax debt.
- Identifying The Need For A Workout
- Doing Business With The Same Vendors After A Workout
- Debt can be your best friend, or your worst enemy.
- Tax liens, unsecured payables, secured debt, credit cards, bank debt: the big five, we can fix this.
- Selling Short, an excellent strategy that turns foreclosure into a victory.
- Flat management practice, ask your managers to draft their own dept. business plan and budget.
- These brokers provide valuable services… trucking and shipping brokers and public insurance adjusters, use them.
- An alternative solution to your employee problems, hire the young, the elderly and mothers.
- Closing your business? Plan to allocate adequate cash to your own needs.
- Horizontal or vertical expansion, which is best for you?
- Expand the invoice…improve your bottom line.
- There is always room for the highest price
- January(16)
- Sub-contractors nightmare, slow or no payment from the general contractors.
- What to do in a plunging market.
- Ad specialty items…can be very effective if done correctly.
- Public Relations, the forgotten piece of the sales and marketing program.
- Scheduling vacations over Christmas, New years and July 4th, a bonanza for everyone.
- I challenge traditional discount strategies and practices.
- Become an expert! Jumpstart your business development.
- Warning There Is A Hidden Trap In Debt Forgiveness You Must Be Aware Of
- Important Terms To Include On Invoices
- Successfully collecting receivables requires a system.
- Do Not Meet With The IRS Without Experienced Representation
- Presenting financials that tell the story you want to tell.
- Insurance, everyone hates to pay the bill but loves it when it pays you.
- Lending Vs. Investing In Your Business
- How to successfully work a trade show, the best and most cost efficient marketing opportunity of the year.
- Green works, (environmentaly friendly green), organic works, alternative energy works, its the way to go, get on the train.
- December(15)
- 2007(137)
- December(14)
- The next step in developing your web site into an extremely powerful sales tool
- A Startup! A new business plan! A new business is being born. Prepare.
- Eliminate The Fatal Habit Of Unnecessary Errors
- Do you share your private financial business information with your employees?
- Opposing Views On Designing Your Business For Growth
- More about structuring a 50-50 partnership… successfully
- Time management, the one rule you need to know.
- The Current Mortgage Crisis Does Not Require Government Intervention
- Business owners should buy the real estate and the machinery and rent it to the business. Here is why.
- Tell Your Creditors You Cannot Pay Them
- Is your management format flat or a pyramid?
- The Internal Organization Required For Business Success
- Borrowing to pay debt...don't
- The worst excuse for failure imaginable, but so common, "the economy is bad..."
- November(21)
- Foreclosure, even if you are current? Welcome to the world of technical default
- The importance of custom designing by-laws and operating agreements.
- Successful Business Is All About Creating Successful Teams
- What Services Should Your Accountant Be Providing?
- The virtual business, big business does it, its time small business consider this strategy
- What Should Your Business Be Earning?
- Do Not Operate As A Sole Proprietorship Or Partnership
- The mission statement, do you have one?
- Key Indicators and accountability again….the driving force for another great success
- Closing more sales. Its hard work.
- Job descriptions, rarely done, a must do.
- Whose in control here? The danger of co-owners, managing together..
- Rudi Giuliani tells us the first steps in designing a successful turnaround program.
- A Guide To Home Office Tax Deductions
- Your Attitude Affects Your Business
- The First Rules For Debt Workouts
- Independent Contractor Vs Employee Status
- Not Satisfying Promised Incentives Is A Management Error
- Do not underestimate revenue or overestimate expenses, on your projections.
- An IRS Agent Can Be A Wolf In A Lamb's Suit
- How Many Vacations Have You Skipped?
- October(14)
- The 3 most important consultants you have….your employees, your customers, your suppliers and you are probably not listening to what they have to say.
- Raise the cash first, then launch the business
- How to organize and implement a quality business meeting program.
- What makes an average salesperson a great one?
- The Knock-Out Strategy For Credit Repair And Financing
- #100: The Language of business are its numbers…learn to understand and use them.
- Yes there is an alternative path to borrowing, other than from traditional banks.
- Your Most Likely Source Of Quality New Business
- Flextime Can Work For Everyone
- How Do You Distribute Weekly Paychecks?
- The 50-50 Partnership, a Recipe for Disaster
- Its time you paid attention to the details of corporate requirements and formalities, or you may be sorry.
- Growth And Development Is Impossible Without New Capital
- Empathy – The Newest Sales Technique
- September(15)
- The Quick Response Strategy, a small business power move.
- Bill Paying And Cash Control Strategies That Work
- Your lawyer and the "litigation bluff" as a business tool.
- Call Volume Is The Single Most Important Factor For Increasing Sales
- Negotiating Strategies,show all your cards…it works.
- Cash is not the only or best way to provide incentives for your employees.
- Reduce The Workforce To Increase Profitability
- The offer in compromise with the IRS…does this strategy work?
- A perfect example of why we need key indicators. Management with information.
- Credit Repair then re-finance, the one-two punch...a knockout! An answer to all the barriers preventing your refinancing or obtaining a mortgage!
- Victory Is Not Just About Winning
- Never, ever accept your banker's turnaround referral recommendation.
- It seems no one conducts inventory control or even cash control anymore…are you all nuts?
- The Right Discount Turns Inventory Into Cash
- Profitability Before Revenue
- August(42)
- Do it yourself: Everything you need to know to resolve unpaid 941 payroll tax issues.
- Increase Your Market Share By Buying Your Competition
- Building A Successful Business Through Networking
- Don't Leave Business Decisions Up To Your Lawyer
- When To Make The Callback
- Made In America Is A Competitive Advantage
- The Dilemma Of Bad Advice From Trusted Advisors
- The Power Of The Self-Serving Memo
- The Alternative To Subprime Lending For Poor Credit Borrowers
- Lower Your Tax Bill By Planning Instead Of Cheating
- The Non-Compete Agreement As A Business Strategy
- Create A Handbook Your Employees Will Want To Read
- What can be done to workout a defaulted SBA guaranteed loan?
- The Stairway To Business Heaven – Ten Steps To Success
- Read It And Weep – The Lack Of Employee Productivity
- The Power Of A Personal Presentation, A Necessary Strategy
- Success Requires A Vision
- Relationships Are The Heart Of The Sale
- Thank You – Two Little Words Everyone Forgets
- Firing A Problem Employee Benefits Everyone
- Let Go Of Unsatisfactory Employees
- The Big three…Incentives, Training, Reviews… combined a Career Path
- The Equation For Guaranteed Success
- Training Is The Final Solution To Your Employee Problems
- Who Is The Responsible Party In A 941 Tax Default?
- I Wish You Discomfort As A Sign Of Progress
- Be A Man And Treat Her Like A Woman
- Performance Reviews Are a Necessity That Benefits The Employer, The Employees And The Business
- What Can Be Negotiated In A Workout?
- The Cure For Stress Caused By Your Business
- Choose Your Credit Repair Specialist Carefully
- A Low Credit Score Can Be A Barrier To Your Success
- Don't Schedule Yourself Into Failure
- The Job Of The CEO Is To Plan, Train And Review
- The Key To Growth Is Seldom More Equipment
- Selling To Major Chains And Large Distributors May Not Be Good For Your Business
- Be Your Own Broker
- What To Consider When Selecting A Business Or Trade Name
- Teamwork Is A Word Frequently Used But Often Misunderstood
- Everything You Need To Know About Resolving The Issue Of Unpaid 941 Payroll Taxes
- You Shouldn't Do Your Own Workout Any More Than You Should Do Your Own Brain Surgery
- Trade Overtime For An Incentive-Based Reward System
- July(12)
- Avoiding The Marital Problems That Come With Workouts
- Hold Your Price And Discount Carefully
- Price Negotiation Is Not Always The Best Practice
- Projections Are Your Crystal Ball
- Know Your Key Indicators, The Pulse of Your Business
- Incredible Words Of Wisdom By Goethe
- How Do We Create Lasting Change When Old Habits Die Hard?
- You Failed To Pay Your Payroll Taxes So Now What?
- Indecision Is The Worst Decision Of All
- We Want Net Profit Not Gross Revenue
- The Mystifying Concept Of Budgets
- Lack Of Adequate Capital Will Leave You Spinning Your Wheels And Getting Nowhere
- June(8)
- What Is The Deal With Working Out Credit Cards?
- The Results Are In, Small Business Can Compete!
- What’s Your Guarantee To Your Customers?
- QuickBooks Can Be The Answer To Your Accounting Issues
- Thank You To My Dad On Father's Day
- Don't Waste Your Dollars On Worthless Advertising
- Don’t Believe Everything You Hear About The IRS
- In The Immortal Words Of Pogo, We Have Met The Enemy And He Is Us
- May(2)
- April(3)
- March(6)
- December(14)
- 2012(38)
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flat management advertising overhead Management taxes collateral Asset Protection employee incentives auction credit cards small business owners entrepreneurship liquidation bankruptcy recession family mortgage decision making debt forgiveness economy Adam G. receivables banker let's talk negotiating Leadership key indicators payroll lawyers debt workout collections cash flow marketing IRS offer in compromise downsizing Employees foreclosure personal guaranty preemptive workout Creditors banks success incentives reinventing your business internet marketing
Category Archives: Offer in Compromise
Warning! There is a hidden trap in debt forgiveness you must be aware of
Beware! Forgiveness of debt converts to ordinary income and may be taxable! If you were unaware of this issue, you would find out about it in January when you get a forgiveness of debt 1099 for the amount of debt … Read More
Posted in Debt Workout, Offer in Compromise
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What exactly happens to an SBA loan when you file for bankruptcy?
This is not intended to be legal advice, see an attorney for that, but as businessmen we must always consider the implications of many legal acts before we see the attorney, and thus must be free to discuss general concepts. … Read More
Dear Banker, Something Is Better Than Nothing So Let’s Work It Out
Dear Banker, We represent many, many small businesses that are in default. Almost universally: 1. The owner has not taken a paycheck for a long while, sometimes years, and has been living off credit cards, savings, and their spouse’s earnings. … Read More
Posted in Debt Workout, Offer in Compromise
Tagged: banker let's talk, bankruptcy, banks, defaulted loans, offer in compromise
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Despicable Banker Tactics
I hear all the time about the offensive tactics used by lending bankers to cajole money out of defaulting borrowers. I have heard so many stories and while not universal, as there are many respectful lenders who do not abuse … Read More
Character Is An Important Element Of A Successful Workout
Character is a very important quality for supporting a successful workout. Who would ever think one’s character is relevant in determining the viability of a workout request? Well, it is a very important aspect and it goes like this: When a … Read More