How to Social Engineer Your Debt Collectors Into Giving You More Time to Pay Bills « Null Byte :: WonderHowTo

Having bills to pay is one of the worst parts of life, especially around the holidays. And if you're extremely unlucky, you might also have to pay some hefty medical bills. This can put a heavy damper on plans, wants and needs. What's worse? The people that you owe money to are pushy and always bother you to pay in a more timely fashion, or worse, pay bigger premiums.From the extensive medical bills that I've been paying over the last 6 months (thanks, stomach), I've picked up some cool social engineering techniques that you can use to pay your bills over a longer period of time, or even potentially get the bills removed completely.RequirementsStrong willDecent writing skillsAbility to think on your toes in a conversational emergencyWho Is This For?This is foreveryone. If you live in fear of your name being sent of to bill collectors, ruining your credit forever, you need these techniques.Scenario AIn order to do this, we need to manipulate the companies which we owe money to into giving us a bill extension. Contrary to popular belief, no matter what the company you're indebted to says, you can payanyamount of money toward your bill that you want (unless you signed a contract stating you couldn't). This means if you only pay a little amount, they have to accept the biggest payment that you can give them without refusal. What a great country the U.S. is, isn't it?Send a friendly email to the person your are in debt to, similar to the one I used to my hospital.To whom it may concern,My name is ________, and I have an account (#xxxxx-xxxxxx-xxxxx) open with you that I currently have an outstanding balance for. Unfortunately, I have recently fallen into the ranks of the unemployed and have no regular income. I currently do freelance work to make money to get by. Due to this issue, I will be sending you payments of $15 to $25 on the 20th of every month, which is all that my budget allows. I am determined to square my debt off, and will return to sending higher payments when my income permits.Sincerely,<your name>With this, you havephysicaldocumentation that you are doing your best effort to pay your bills and continue to make monthly payments. This prevents companies from sending your information off to a nasty bill collector, ruining your credit, and receiving obnoxious phone calls for the next thousand years.Scenario BAnother great method is to call the business you are in debt to and give a similar story to the one above. Only this time, ask if they have any sort of payment assistance program. Many hospitals have programs that almost everyone qualifies for, that take care of medical expensesforyou. You won't hear about those though, people don't like to give awayfreemoney.Because of the pushy "I'm going to do this" nature, coupled with hard times, we play on the person's empathy and use forceful, determined tactics to get what we need.Want to start making money as a white hat hacker?Jump-start your hacking career with our2020 Premium Ethical Hacking Certification Training Bundlefrom the newNull Byte Shopand get over 60 hours of training from cybersecurity professionals.Buy Now (90% off) >Other worthwhile deals to check out:97% off The Ultimate 2021 White Hat Hacker Certification Bundle99% off The 2021 All-in-One Data Scientist Mega Bundle98% off The 2021 Premium Learn To Code Certification Bundle62% off MindMaster Mind Mapping Software: Perpetual LicenseImage viathefuntimesguideRelatedForget Advil:Cold, Hard Cash Is the Best Pain ReliefSocial Engineering:How to Use Persuasion to Compromise a Human TargetHack Like a Pro:How to Spear Phish with the Social Engineering Toolkit (SET) in BackTrackHack Like a Pro:The Ultimate Social Engineering HackThe Hacks of Mr. Robot:How to Send a Spoofed SMS Text MessageHow To:Learn the Secrets of PsychologyHow To:Use Social Engineering to Hack ComputersHow To:Use "SET", the Social-Engineer ToolkitListen In:Live Social Engineering Phone Calls with Professional Social Engineers (Week 2)Listen In:Live Social Engineering Phone Calls with Professional Social Engineers (Final Session)Listen In:Live Social Engineering Phone Calls with Professional Social EngineersWeekend Homework:How to Become a Null Byte Contributor (2/17/2012)News:Star Wars Millenium Falcon Time Lapse Lego BuildXbox LIVE Achievement:How to Earn Free Microsoft Points with Social EngineeringSocial Engineering, Part 1:Scoring a Free Cell PhoneNews:Live Social EngineeringHow To:Proof of Social Engineering Success!How To:Social Engineer Your Way Into an Amusement Park for FreeSocial Engineering, Part 2:Hacking a Friend's Facebook PasswordHow To:Score Free Game Product Keys with Social EngineeringNews:Google social web engineer Joseph Smarr talks about lessons from Google+News:Top 13 Google Insiders to Follow on Google+For Sale:JFK's Crusty, 48-Year-Old Birthday CakeNews:Nextdoor Brings Private Social Networks to a Neighborhood Near YouSocial Engineering:The BasicsHow To:The Social Engineer's Guide to Buying an Expensive LaptopHow To:recognize Crowd Control - Part 1How To:Advanced Social Engineering, Part 1: Exact Revenge on Craigslist Scammers with Tabnab PhishingNews:Understanding Your Estimated Bounce Energy BillWeekend Homework:How to Become a Null Byte Contributor (2/10/2012)News:Pen & PaperHow To:Join the Fight Against SOPA and PIPAHow To:Read Your Inital Bounce Energy BillNews:Understanding Fees & Taxes On Your BillHow To:The Official Google+ Insider's Guide IndexNews:Why the High Bill?!How To:Lower Your Electricity Bill in 10 Easy Steps