Case Study #014: $15k Debt Recovered A client approached JMS Rogers regarding a debt size of SGD$15,000. Our client had loaned the sum of money to a friend who needed it for personal expenses. The debtor had shown our client the reasons for the loan which involved clearing debts that he had to pay off to others from previous borrowings from other people. Because of their long friendship, our client was quick to loan to the debtor. An IOU was also signed between both parties that the loan was to be repaid in full in 6 months. When the 6th month approached, our client had contacted the debtor to remind him of the debt, and to his horror, the mobile phone line was no more in use. In his state of panic, our client approached JMS Rogers for help. Through our investigations, we were able to identify the new contact number of the debtor, and made contact through a phone call. When the debtor knew that we were JMS Rogers, the debtor then proceeded to threaten that he will call the police if we were to conduct a field visit to his house. He then proceeded to block our numbers. Upon the field visit, the debtor did call the police, and accused our field team officers of using violence and threats to harass him. The police arrived, and we showed our video evidence from our body cameras to the police to prove that none of these happened and the engagement was done professionally with firmness. The team of field officers returned two days later for another house visit, and yet again, the debtor called the police and accused the team of the same thing. And yet again, evidence was shown by body camera footage of the engagement. After the second visit, the debtor realised that we are always going to be within our legal rights to visit as many times as needed to enforce the repayment of the debt, and began to negotiate repayment plan, that was accepted by our client and this plan commenced and was repaid within 3 months. What can we learn from this: 1. Debtors will always try to evade debt through changing phone numbers, residential/office addresses and more. Be aware and reach out for help if you face these situations. Read more : https://www.jmsrogers.com/