Understanding Debts and Mortgages

Once paid all debts – mortgage, school fees of children in college insurance – it is considered 'respectable citizen', which society must provide not only material comfort, but also a new 'purpose'. Now, on the approach to recover the debt from the player. Interestingly, the harsh methods, in terminology collectors – 'hard', just activate and aggravate the resistance inveterate debtor. Due to their application, he begins to enrich its game another scenario: "Try to pick up." Given that plays into it professional, playing his whole life to win in this fight can only be a lender-professional. If, after several futile attempts to get debt lender waives hopes his return, the debtor, with impunity, using credit, gets the sake of what was playing.

If a lender starts to act more vigorously, the debtor enjoy what causes it to run after them, and at the same time enjoy purchased. Tough form of the game takes on the case, if the lender intends to at all costs to obtain debt. Because there is an element of coercion at this stage of foreclosure, in most cases, the expression 'final warning' creditor: 'If you within 48 hours do not pay the debt …', debtor feels entitled to resent, in which case he wins, too, showing that the creditor is greedy, ruthless and not worthy of trust. The two most common benefits in this are: 1) to strengthen the position of the debtor's existential, which is a disguised form of 'All creditors – greedy people', and 2) the debtor derives more external social benefits, as is now eligible to friends openly accuse the lender, without losing its status as' capital fellow. " It can extract and internal social benefits when they met by the lender. In addition, it justifies his abuse of the system credit: if all the lenders such as this, why bother paying? Thus, unless the creditor abuses the pressure at the expense of efforts to build a constructive dialogue, the debtor begins to play the role of not only "Victims", but also seeks to swap "persecutor" roles by activating a complex psychological game of high conflict. Certainly, this type of competitive interaction between the parties gives rise to numerous overlapping transactions in communicating the same time, almost the only way to stop the development of the game – it is the creditor's claim back the full amount of the debt immediately, even at the expense of the object of pledge, if any. The more time we give to the unfolding scenario game, the more reason for the resistance of the debtor receives.

Well, on the old debt and it is proportional to the effectiveness of penalties you know. That's why professional collector should own diagnosis of the basic tools of the Ego-states of the debtor's translation skills overlapping transactions in parallel, and, of course, be able to consciously manage their role behavior in the trinity Chase – Sacrifice – The Savior, in many situations, consciously avoiding these roles, and leading the communication with the debtor of the ego-states "adults". Presented in this paper, the model only part of the rich arsenal that can offer transactional analysis and other areas of practical psychology. Study of these developments by specialists, professionally engaged in debt collection will help make this process not only more effective, but much less stressful for all participants. Non-commercial use of this material is possible with an active link to, as a source of first publication. Copyright 2011 Stanislav Kamenetsky