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Large Rare Sterling Silver Carico Lake Turquoise Pendant
Large Rare Sterling Silver Carico Lake Turquoise Pendant
$3,800.00
Large Silver Gold Natural Darling Darlene Turquoise Handmade Cross Pendant
Large Silver Gold Natural Darling Darlene Turquoise Handmade Cross Pendant
$3,600.00
Large Sterling Silver Natural Darling Darlene Turquoise Handmade Cross Pendant
Large Sterling Silver Natural Darling Darlene Turquoise Handmade Cross Pendant
$3,000.00
Large Sterling Silver Natural Kingman Turquoise Handmade Cross Pendant
Large Sterling Silver Natural Kingman Turquoise Handmade Cross Pendant
$2,400.00
Very Large Hand Made Nacozari Turquoise - Sterling Silver Pendant 21560
Very Large Hand Made Nacozari Turquoise - Sterling Silver Pendant 21560
$1,500.00
RICHARD BARTH 1975 LARGE STERLING SILVER ARTISAN MODERNIST SCULPTURE NECKLACE
RICHARD BARTH 1975 LARGE STERLING SILVER ARTISAN MODERNIST SCULPTURE NECKLACE
$1,244.00
Estate Handcrafted Artisan Large Sterling Silver Genuine Emeralds Star Pendant
Estate Handcrafted Artisan Large Sterling Silver Genuine Emeralds Star Pendant
$1,099.00
King Baby Silver Large Traditional Cross with Leather and Silver Necklace
King Baby Silver Large Traditional Cross with Leather and Silver Necklace
$900.00
Russian Dolls by Svetlana large silver and red enamel / dmds pendant locket
Russian Dolls by Svetlana large silver and red enamel / dmds pendant locket
$899.00
Navajo Sterling Silver Gorgeous Large Nevada #8 Turquoise Cuff & Ring Set
Navajo Sterling Silver Gorgeous Large Nevada #8 Turquoise Cuff & Ring Set
$890.00
Sterling Silver Blue and White Topaz Pave, Large Larimar Pendant (3.5 inches)
Sterling Silver Blue and White Topaz Pave, Large Larimar Pendant (3.5 inches)
$799.99
Vintage style pendant solid 925 sterling silver handmade customize large round
Vintage style pendant solid 925 sterling silver handmade customize large round
$799.00
Navajo Sterling Silver Large Nugget Pale Seafoam Green Turquoise Cuff
Navajo Sterling Silver Large Nugget Pale Seafoam Green Turquoise Cuff
$720.00
Exceptional Large Hand Made Maw Sit Sit - Sterling Silver and Gold Pendant 21565
Exceptional Large Hand Made Maw Sit Sit - Sterling Silver and Gold Pendant 21565
$650.00
Monroe Jackson Large Sterling Silver & 14K Rhodonite Necklace, Texas Artist
Monroe Jackson Large Sterling Silver & 14K Rhodonite Necklace, Texas Artist
$650.00
Large Natural Blue Lapis Necklace with Pearls in Solid Sterling Silver, Bezel
Large Natural Blue Lapis Necklace with Pearls in Solid Sterling Silver, Bezel
$649.97
Sterling Silver Necklace or brooch Pin &  Large  necklace
Sterling Silver Necklace or brooch Pin & Large necklace
$629.99
Hand Made Large Natural Aquamarine Pebbles Sterling Silver Wire Links All New
Hand Made Large Natural Aquamarine Pebbles Sterling Silver Wire Links All New
$599.99
BILL WALL PN919 DEMON'S TONGUE PENDANT BWL 925 STERLING SILVER LARGE BAIL
BILL WALL PN919 DEMON'S TONGUE PENDANT BWL 925 STERLING SILVER LARGE BAIL
$595.13
SALE Sterling Silver Large Chunky Turquoise Necklace Oxidized Heavy 1 of a kind
SALE Sterling Silver Large Chunky Turquoise Necklace Oxidized Heavy 1 of a kind
$599.00
New Eilat Stone Necklace Sterling Silver Large Round Filigree Pendant Pin Brooch
New Eilat Stone Necklace Sterling Silver Large Round Filigree Pendant Pin Brooch
$596.00
New Sterling Silver Roman Glass Pendant Pin Brooch Filigree Large Round Necklace
New Sterling Silver Roman Glass Pendant Pin Brooch Filigree Large Round Necklace
$596.00
BALTIC AMBER SILVER LARGE PENDANT LONG CHAIN ARTISAN AMBER NECKLACE UNIQUE GIFT
BALTIC AMBER SILVER LARGE PENDANT LONG CHAIN ARTISAN AMBER NECKLACE UNIQUE GIFT
$595.00
$875   king baby unisex LARGE cross sterling silver
$875 king baby unisex LARGE cross sterling silver
$575.00
Very Rare Sterling Silver .925 Large Milky Butterscotch Baltic Amber 2
Very Rare Sterling Silver .925 Large Milky Butterscotch Baltic Amber 2" x 5" Pin
$524.85
BILL WALL PN889 LARGE $ CROWN PENDANT BWL 925 STERLING SILVER LARGE BAIL
BILL WALL PN889 LARGE $ CROWN PENDANT BWL 925 STERLING SILVER LARGE BAIL
$508.20
BILL WALL PN865P PISTON PENDANT BWL LARGE SMOOTH BAIL STERLING SILVER
BILL WALL PN865P PISTON PENDANT BWL LARGE SMOOTH BAIL STERLING SILVER
$508.00
handmade blue opal + .925 sterling silver extra large FROG statement pendant NEW
handmade blue opal + .925 sterling silver extra large FROG statement pendant NEW
$495.00
BILL WALL PN923 LARGE SABER CROSS PENDANT BWL 925 STERLING SILVER
BILL WALL PN923 LARGE SABER CROSS PENDANT BWL 925 STERLING SILVER
$476.10
Cavalli Del Mar 3D Solid Sterling Silver Large Playing Fox Necklace
Cavalli Del Mar 3D Solid Sterling Silver Large Playing Fox Necklace
$478.00
BILL WALL PN865S SKULL PISTON PENDANT NOMAD BWL LARGE BAIL STERLING SILVER
BILL WALL PN865S SKULL PISTON PENDANT NOMAD BWL LARGE BAIL STERLING SILVER
$462.00
Sterling Silver Sugar Skull Necklace Pendant Jewelry (Large)
Sterling Silver Sugar Skull Necklace Pendant Jewelry (Large)
$462.83
Old Pawn Pueblo Double Bar Dragonfly Cross  Sterling Silver Large Pendant
Old Pawn Pueblo Double Bar Dragonfly Cross Sterling Silver Large Pendant
$450.00
Statement Labradorite Necklace with Large  Pendant Sterling Silver Handmade
Statement Labradorite Necklace with Large Pendant Sterling Silver Handmade
$442.69
JOLLY REBELS LARGE Sterling Silver .925 Star of David Pendant & Link Chain
JOLLY REBELS LARGE Sterling Silver .925 Star of David Pendant & Link Chain
$435.00
BILL WALL PN974 LARGE SHIELD CHARMS PENDANT BWL 925 STERLING SILVER
BILL WALL PN974 LARGE SHIELD CHARMS PENDANT BWL 925 STERLING SILVER
$431.20
Large Chunky Sterling Silver .925 Turtle Moss Agate Pendant Pin Oxidized Heavy
Large Chunky Sterling Silver .925 Turtle Moss Agate Pendant Pin Oxidized Heavy
$435.00
BILL WALL PN863LB 2001 FISH HOOK PENDANT BWL LARGE BAIL 925 STERLING SILVER
BILL WALL PN863LB 2001 FISH HOOK PENDANT BWL LARGE BAIL 925 STERLING SILVER
$423.20
BILL WALL PN918 NEW MALIBU CRUCIFIX PENDANT BWL 925 STERLING SILVER LARGE BAIL
BILL WALL PN918 NEW MALIBU CRUCIFIX PENDANT BWL 925 STERLING SILVER LARGE BAIL
$423.20
BILL WALL PN937 LARGE SERPENT PENDANT BWL 925 STERLING SILVER
BILL WALL PN937 LARGE SERPENT PENDANT BWL 925 STERLING SILVER
$423.00
STUNNING HANDCRAFTED STERLING SILVER AMERICAN TURQUOISE CLUSTER LARGE PENDANT
STUNNING HANDCRAFTED STERLING SILVER AMERICAN TURQUOISE CLUSTER LARGE PENDANT
$424.95
BILL WALL PN991 LARGE ALLIGATOR PENDANT BWL STAMPED RING 925 STERLING SILVER
BILL WALL PN991 LARGE ALLIGATOR PENDANT BWL STAMPED RING 925 STERLING SILVER
$409.98
Large Hand Made Azurite/Malachite - Sterling Silver Pendant - Arizona 21561
Large Hand Made Azurite/Malachite - Sterling Silver Pendant - Arizona 21561
$400.00
LARGE FACETED CHINESE TEAL TURQUOISE WITH HUGE ANTIQUE TIBETAN SILVER BIRD BEAD
LARGE FACETED CHINESE TEAL TURQUOISE WITH HUGE ANTIQUE TIBETAN SILVER BIRD BEAD
$402.50
SKULL AND BONE NECKLACE 925 SILVER Large with incredible detail
SKULL AND BONE NECKLACE 925 SILVER Large with incredible detail
$299.99
Large Padparadscha Orange Sapphire Pendant in Sterling Silver 5th 10th 45th Anni
Large Padparadscha Orange Sapphire Pendant in Sterling Silver 5th 10th 45th Anni
$399.99
Crysoprase / Malachite Cabochon Sterling Silver Large Pendant Awesome!!!!
Crysoprase / Malachite Cabochon Sterling Silver Large Pendant Awesome!!!!
$399.99
large blue LARIMAR + detailed .925 sterling silver handmade TURTLE PENDANT
large blue LARIMAR + detailed .925 sterling silver handmade TURTLE PENDANT
$395.00
Swarovski Crystal Large Ball Sphere Long Sterling Silver Runway Necklace
Swarovski Crystal Large Ball Sphere Long Sterling Silver Runway Necklace
$395.00
BILL WALL PN867 HIDE STAR PENDANT BWL LARGE SMOOTH BAIL STERLING SILVER
BILL WALL PN867 HIDE STAR PENDANT BWL LARGE SMOOTH BAIL STERLING SILVER
$383.53








Debt Collection Agencies : Understanding a growth industry

Consumers in the UK collectively owe in excess of £1 trillion according to recent media reports. Much of this debt is due to borrowing on credit cards, bank loans and mortgages; but as consumer borrowing increases, so does the amount of people encountering financial difficulty in paying back what they owe.

As a result, more and more financial agreements are becoming delinquent and are subsequently passed from the original lender to a debt collection agency. Debt collection agencies are businesses that collect past-due bills and accounts receivable for other persons or businesses in exchange for a fee. Collection agencies charge for their services in one of three ways: a flat fee, a percentage of the amount recouped, or more commonly through a direct purchase of the delinquent account.

Attempts to collect small or medium sized debts are best done using debt collection agencies that charge a flat fee for their services. These agencies are likely to work just as hard at collecting a small debt as they are in trying to collect a larger debt.

The third option is rapidly becoming the most popular among the larger financial institutions as they seek to cut their losses and free up resources away from debt collecting. In most cases, these financial institutions have large portfolios of outstanding debt, and selling it on to debt collection agencies allows them to recoup some of the money loaned out and free up costly resources away from chasing the delinquent debt.

In order to collect due debts most collection agencies will use one of three tactics: letters, telephone calls, litigation. Typically, debt collection agencies will begin the collection process by sending a series of notification letters, often allowing the debtor to enter into negotiations to repay the debt. These letters are often called 'demand' letters. The final notification letter that is sent out generally warns the debtor that if no contact is made prior to a certain date then the debtor's name - whether it be an individual or a company – will be passed onto a more intensive method of debt collection.

In addition to letters, some collection agencies might also phone the debtor directly, again allowing the debtor to work with the agency to agree a plan to repay the debt. Telephoning a debtor at home can sometimes have the best results in collecting a delinquent debt. The third method, litigation, is a last resort and is generally only used when all other attempts to reclaim the debt have failed. Litigation involves taking the debtor to a small-claims court and could eventually result in the debtor being made bankrupt, depending on the amount of debt owed.

Other services provided by debt collection agencies include locating absent debtors who can no longer be reached at the address or telephone number listed on their accounts. Some agencies also offer 'doorstep' collection, whereby they employ a number of collectors to visit debtors in their homes to arrange the repayment of debts owed.

Debt purchasing is becoming big business in the UK with many specialist debt collection agencies, such as Capquest Debt Recovery, providing advice on how best to proceed with the recovery of unpaid debt. Should you have a need to employ the services of a debt collection agency make sure that they are members of the Credit Services Association, a regulatory body associated with the debt collection and financial industries.There are many debt collection agencies, such asCapquest Debt Recoveryin the UK.Capquestis a member of, and are regulated by the Credit Services Association.

Article Source: http://www.simplysearch4it.com/article/52113.html


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