Kenakalan Remaja

MEROKOK

Menurut lembaga survey Indonesia menduduki peringkat ke 5 sebagai jumlah Perokok terbesar di dunia, dan kini Indonesia juga mencetak rekor baru, yakni jumlah perokok remaja tertinggi di dunia.

"Sebanyak 13,2 persen dari total keseluruhan remaja di Indonesia adalah perokok aktif, seusai acara peringatan Hari Tanpa Tembakau Sedunia kemarin. Di negara lain, jumlah perokok remaja tertinggi hanya mencapai 11 persen.

Jumlah perokok yang meninggal pun cukup signifikan. "Dari total 1,2 juta orang di kawasan Asia Tenggara yang menggunakan bahan baku tembakau, 25 % dari Indonesia di antaranya meninggal dunia.

Angka tersebut cukup signifikan mengingat makin banyaknya produsen rokok baru dari luar maupun dalam negeri yang menyerbu pasar di Indonesia.

Padahal tentunya, semua perokok pasti tahu efek negatifnya. Rokok sebagai penyebab berbagai macam penyakit yang tingkat kematiannya tinggi. Tapi mengapa jumlah perokok masih banyak saja??

NARKOBA / NARKOTIKA

Narkotika adalah zat atau obat yang berasal dari tanaman atau bukan tanaman baik sintetis maupun semi sintetis yang dapat menyebabkan penurunan atau perubahan kesadaran, hilangnya rasa, mengurangi sampai menghilangkan rasa nyeri, dan dapat menimbulkan ketergantungan, yang dibedakan ke dalam golongan-golongan sebagaimana terlampir dalam undang-undang ini atau yang kemudian ditetapkan dengan Keputusan Menteri Kesehatan. Biasanya pada awalnya hanya coba-coba agar dianggap coo atau solider sama teman, tapi lama-lama jadi kebutuhan danketagihan! Jika tadinya hanya dipakai oleh kalangan tertentu, sekarang efeknya sudah mulai menyebar. Tidak hanya anak-anak "bermasalah", survey Yayasan Cinta Anak Bangsa membuktikan 60-70 % pengguna narkoba berasal dari keluarga baik-baik dan 80-90 % mengaku memakai narkoba saat orangtuanya ada di rumah. Apalagi seperti yang kita ketahui efek yang ditimbulkan dari narkoba menyebabkan gangguan fisik dan psikis. Merusak sistem syaraf pusat dan organ tubuh lainnya. Dari segi psikis pengguna narkoba sering berhalusinasi dan rentan terkena gangguan mental. Belum lagi pengaruh lainnya seperti dikucilkan, sering berbohong, dll.

FREE SEX
Menurut Survey Badan Koordinasi Keluarga Berencana Nasional (BKKBN) , menyatakan bahwa remaja di kota besar Indonesia sudah melakukan seks pranikah. Sebenarnya, sangat dimaklumi jika remaja selalu dipenuhi dengan rasa ingin tahu dalam masa pencarian jati diri. Termasuk rasa penasaran sama hal-hal berbau seksual. Tapi sayangnya pengetahuan remaja tentang seks belum seberapa. Karena kebanyakan remaja yang melakukan seks pranikah belum tahu bahwa perbuatan mereka tidak sekedar dosa dan dilarang agama, tapi juga sumber penyakit dan juga bisa mengancam masa depan. Tahukahkah kamu 57% kasus HIV/AIDS terjadi pada remaja! dan 2,3 juta kasus aborsi tiap tahun 20% nya dilakukan oleh remaja.

ALKOHOL
Jangan dikira alkohol itu harmless. Banyak kandungan berbahaya di dalam minuman keras seperti Ethyl-alkohol yang memabukkan. Alkohol juga bisa bikin addict yang berbahaya bagi kesehatan ginjal dan juga saraf. Selain itu alkohol juga memicu tindakan kriminal dan free sex dikalangan remaja. Dan juga remaja yang mulai minum alkohol di usia 15 tahun ke bawah, memiliki peluang 4 kali lebih besar menjadi alcoholic dibanding mencoba minum setelah 21 tahun.

Bullying

Masih ingat kan sama geng Nero?
Sekelompok remaja putri yang sempat jadi bahan pemberitaan di tahun 2008. Yang secara sengaja dan tanpa alasan yang jelas, geng itu suka bertindak semena-mena terhadap remaja puti lainnya. Sama halnya IPDN yang bahkan sampai bikin korbannya tewas. Bullying biasanya terjadi mengatasnamakan senoritas. Yaitu senior yang merasa berkuasa dan bisa melakukan apa saja kepada juniornya. Bullying sangat dipengaruhi oleh faktor lingkungan keluarga. Dan juga terkadang sudah menjadi budaya di tempat remaja tersebut beraktivitas. Jadi sebagai remaja berpendidikan should know that we can not tolerate that! Bullying is a crime, apalagi jika sampai menimbulkan trauma berkepanjangan bagi korbannya.


Dan satu lagi yang penting bagaimana supaya remaja dapat keluar dari belenggu gaya pergaulan yang salah adalah dengan dukungan keluarga untuk memantau perkembangan remajanya dan menjadi sahabat serta tempat yang bisa dijadikan berbagai segala hal.

Vote Pulau Komodo for new 7 WONDER in the World

Ayo! teman - teman bagi yang belum Vote Komodo menjadi 7 keajaiban dunia sekarang harus cepetan vote. Karena seperti yang kita ketahui Candi Borobudur gagal dalam pemilihan tersebut, kini tinggal satu nominasi untuk kempatan Indonesia masuk dalam 7 keajaiban dunia. Yaitu Pulau Komodo di kategori "Forest, National Parks, Nature Reserve"

Seperti yang kita ketahui Pulau Komodo adalah sebuah pulau yang terletak di Kepulauan Nusa Tenggara. Pulau Komodo dikenal sebagai habitat asli hewan komodo. Pulau ini juga merupakan kawasan Taman Nasional Komodo yang dikelola oleh Pemerintah Pusat. Sesuai dengan namanya, Pulau Komodo adalah sebuah pulau yang dikenal sebagai habitat asli hewan komodo (Varanus komodoensis), oleh penduduk setempat, hewan ini disebut Ora. Di pulau ini terdapat hewan komodo yang merupakan spesies kadal terbesar di dunia dengan rata-rata panjang tubuhnya mencapai hingga 3,13 meter dan beratnya mencapai 165 kg.

Untuk melindungi komodo dari kepunahan, maka pada tahun 1980 pemerintah menjadikan Pulau Komodo sebagai Taman Nasional Komodo. Enam tahun kemudian, yakni tahun 1986, taman nasional ini diterima sebagai Situs Warisan Dunia oleh UNESCO. Taman nasional ini terdiri atas dua pulau besar, yakni Pulau Rinca dan Padar, yang dikelilingi oleh beberapa pulau kecil. Total luas wilayah daratan taman nasional ini mencapai 1.817 km².

Jadi sekarang kita harus Vote Komodo for new 7 wonders In The World. Karena Pulau Komodo merupakan tempat nerkembang biak nya The Real Dragon di dunia yang merupakan hewan jaman purbakala yang masih bertahan sampai saat ini. Karena Final Stage nya akan ditutup sampai akhir Desember 2010. Dan deklarasi new7wonders of nature akan digelar tahun 2011.
Jadi buruan click http://www.new7wonders.com/

Era Globalisasi dan Ketahanan Nasional

ketahan nasional adalah merupakan suatu kondisi dinamis suatu bangsa yang terdiri atas ketangguhan serta keuletan dan kemampuan untuk mengembangkan kekuatan nasional dalam menghadapi segala macam dan bentuk ancaman, tantangan, hambatan dan gangguan baik yang datang dari dalam maupun luar, secara langsung maupun yang tidak langsung yang mengancam dan membahayakan integritas, identitas, kelangsungan hidup bangsa dan negara serta perjuangan dalam mewujudkan tujuan perjuangan nasional.

Di jaman Era Globalisasi ini segala sesuatu aspek kehidupan yang ada bersaing begitu ketatnya. Dari mulai aspek ekonomi, politik, sosial budaya, pendidikan dan lain-lain.

Seperti yang kita ketahui era globalisasi itu ditandai dengan adanya perdagangan bebas dimana produk dari suatu negara dengan bebas dapat masuk dan di perjualbelikan di negara lain. Kenyataan itu tentu menimbulkan tantangan bagi semua negara untuk mampu bersaing dalam meningkatkan kualitas produk industrinya, bangsa Indonesia juga tidak terlepas dari tantangan itu. Untuk mampu bersaing dengan negara lain. Tapi sayang sekali hal ini tidak didukung oleh sebagian masyarakat Indonesia, karena pada dasarnya mereka lebih tertarik terhadap produk impor yang menurut mereka berkualitas dan tentu saja mempunyai nilai prestise. Dari hal ini juga bisa kita lihat betapa minimnya identitas perekonomian mengenai perdagangan.

Padahal produk buatan Indonesia pun juga bisa bersaing dengan produk Luar negeri. Walaupun terkadang sangat disayangkan sekali beberapa produk yang kita buat merupak produk hasil contekan dengan produk luar negeri. Karena hal ini pun juga didukung dengan keinginan masyarakat Indonesia yang ingin mempunyai produk import tersebut dengan harga yang lebih murah.

Hal ini memang sangatlah memprihatinkan dimana masyarakat masih belum mempercayai kualitas produk Indonesia karena kurangnya pemahaman kita terhadap ketahanan nasional. Padahal jika kita sering membeli produk impor sama saja seperti kita mengasih "makan"untuk orang luar negeri. Sedangkan negara kita saja masih banyak sekali yang harus dibantu dibandingkan dengan mereka yang dominannya merupakan negara maju.

Jadi, mulai dari sekarang mari kita wujudkan ketahanan nasional dari kuatnya ketahanan nasional dengan menjaga identitas sosial. Hal ini dapat kita mulai dari hal-hal sederhana yang kita bisa lakukan sehari-hari, seperti berbicara bahasa Indonesia yang baik dengan benar. Agar bisa menjauhkan kita dari efek negatif era globalisasi yang bisa menggoyahkan Ketahanan Nasional.

WAWASAN NUSANTARA

Apakah yang kalian ketahui tentang Wawasan Nusantara?

Wawasan Nusantara adalah cara pandang bangsa Indonesia tentang diri dan lingkungan sekitarnya berdasarkan ide nasionalnya yang berlandaskan pancasila dan UUD 1945 (Undang-Undang Dasar 1945) yang merupakan aspirasi bangsa Indonesia yang merdeka, berdaulat, bermartabat serta menjiawai tata hidup dalam mencapai tujuan perjuangan nasional.

Dan tahukah kamu bahwa Indonesia kita hebat. Indonesia adalah negara yang berwawasan. Karena pada saat Deklarasi Djuanda yang diadakan pada tanggal 13 Desember 1957., telah melahirkan konsep Wawasan Nusantara yang menyatukan wilayah Indonesia. Laut nusantara bukan lagi sebagai pemisah, akan tetapi sebagai pemersatu bangsa Indonesia yang disikapi sebagai wilayah kedaulatan mutlak Negara Kesatuan Republik Indonesia.

Inilah beberapa Pandangan saya tentang Indonesia (Wawasan Nusantara), yaitu sebagai berikut:

Many Great Island
Indonesia memiliki sekitar 17.480 pulau yang tersebar diseluruh wilayah RI. Dari sini saja bisa kita lihat bahwa begitu luasnya Indonesia. Dan sebagai bukti juga kalau Indonesia adalah negara kepulauan yang layak jadi tujuan wisata. Banyak tempat yang mempunyai view yang indahnya mungkin tidak kita bisa bayangkan sebelumnya. Seperti salah satunya Raja Ampat di Papua.







Beraneka Ragam Budaya dan Bahasa
Mulai dari baju adat (jawa, kalimantan, sulawesi, papua, dsb) kayak batik dan ulos. Ritual khas seperti ritual kematian di suku toraja dan ngaben di Bali dengan prosesi yang begitu spekatkuler.
Seni Tari seperti Tari Saman, Tari kecak, Jaipong, dll. Dan juga begitu beragamnya Bahasa yang kita punya karena ditambahnya begitu banyak suku dan ras yang melimpah. Tapi yang paling terpenting adalah kemampuan kita untuk tetap bisa bersatu dan gotong royong di tengah perbedaan yang ada. Tentu saja kita harus bangga menjadi Warga Negara Indonesia (WNI).

Cantiknya Wanita Indonesia
Cantik yang dimiliki wanita Indonesia merupakan kecantikan yang alami. Karena sejak jaman dahulu wanita Indonesia selalu diajarkan merawat diri dengan cara serba Tradisional. Jadi tidak harus repot-repot ke salon, karena rambut kita sudah hitam dan lembut. Dan kulit kitapun sudah Hitam tanpa harus sunbathing / panas-panasan seperti orang "bule". Ya, karena yang seperti kita ketahui menurut "bule" perfect skin adalah adalah kulit yang tidak pucat, tidak berbintik, sehat karena bersinar, seperti kulit Wanita Indonesia. Seperti salah satunya Ibu kita Kartini.





Lezatnya Masakan Indonesia
Masakan kita bercita rasa kuat dan beraneka rasa. Mulai dari Masakan Padang, Gudeg, dll. Selain itu juga kita dikaruniai dengan kekayaan flora yang jika diolah secara tradisional menjadi sebuah masakan, akan berkhasiat sekali untuk tubuh, seperti Tempe yang sudah terkenal tingkat Gizi dan kelezatannya sudah diakui di Indonesia maupun Dunia.



Ramah-tamahnya WNI
Jika menyangkut Ramah Tamah, keramahan masyarakat Indonesia tidak perlu diragukan lagi. Banyak wisatawan Mancanegara yang betah jika sedang di Indonesia. Dan ingin kembali lagi berkunjung kesini karena kangen dengan keramah tamahan dan sopan santun warga kita. Ditambah lagi dengan keindahan yang dimiliki Indonesia.




Nilai dan Norma yang dijadikan pedoman
Indonesia adalah negara yang memegang teguh prinsip nilai adat Ketimuran, kita punya banyak norma yang dijadikan sebagai panutan atau pengawas hidup dalam bertingkah laku di kehidupan sehari-hari. Mungkin kesannya kaku atau terlalu ada sekat, tapi dengan segala norma agama, sosial, dan etika, hukum dan lain-lain itulah yang bisa meminimalisir masalah dan lebih berhati-hati bertingkah laku.

Jadi mulai sekarang kita harus mengembangkan wawasan nusantara kita mengenai Indonesia. Jangan sampai segala kekayaan yang kita punya dari mulai SDA, Budaya, dll. Direbut oleh asing, mari kita jaga negara Indonesia Tercinta kita ini dari sekarang.

Referensi : Wikipedia dan Gogirl Magazine

Confessions of an Auto Finance Company Employee

So last Friday morning we were awakened out of our sleep by somone laying on our buzzer! If you've ever been awoken out of your sleep by any loud sound whether it be a baby crying, smoke alarm or whatever then you know how it leaves you in that sort of panic state. So I stumbled to the living room and politely, asked who was at the buzzer. Naw I'm lying I think I said something like "who the hell is this?"

The respondant stated they were with some auto recovery place and they were looking for the previous tenant. I yelled back they don't live here or something to that affect. They persisted to ask where he lives now and is he in another apartment. I again yelled I don't know, but he doesn't live here. They tried to again aggressively question me through the intercom. Finally, they said well this is unit ___ and we have his car on the tow truck. I was about to say I don't give a.... "wait what kind of car is it?" (I'm good but I was half sleep so you know I had to just make sure. lol) He replied "A Mercedes Benz." I yelled back "oh ok well whatever he don't live here bye!"

After that I looked at the time and it was like 4am. I was left unable to go back to sleep for probably another hour. Mind you I get up at like 6:40am. But in the end I guess I found it kind of funny, just because of what I used to do for a living. So as a treat to all those that may be struggling in this down economy I decided to re-post the blog below. Some tips that may help you out if you're in the same spot as my man with the Benz.
______________________________________________________
To begin, this is an anonymous posting. It is coming from a person that has expertise in this field/industry and felt the need to help out some individuals by giving out inside information. Use the information as you choose and at your own risk. We assume no liability for what happens based on you using or not using the information...

As we all know today's economy is not what it was 8+ years ago. People are really struggling now a days. They're getting laid off from work, they're in debt, and barely able to keep their head above water. In some cases they're unable to afford food to eat let alone keep a roof over their head or a car to get around in.

Well I work in the car finance company and I have witnessed the people struggling to pay high car note payments. It's hard out here for everyone. And when you're put into a situation as to whether you keep a roof over your family's head and food in the fridge versus to pay a car note payment well it's a simple choice as to which is going to fall by the way side. However, business is business and well the Finance Company is in business to make money and if you're not going to pay for whatever the reason may be well they have no choice but to do what they have to do. And ultimately that decision will be to come looking for their collateral which is the car and or truck or motorcyle.


Well I've been in this field for over 5 years and I've seen and done it all when it comes to car financing and repossessions. However, I'm just the low man on the totem pole so I'm just like the average person. Possibly a paycheck or 2 away from being a victim of the same fate. Therefore, I am writing this confession in an attempt to hopefully help some unfortunate individuals avoid the Repo man. Keep in mind I am not advocating or urging anyone to not pay their bills. Paying your bills on time is always the right thing to do. But just in case anyone finds themselves in a rough spot given these tough economic times well here's a guide to hopefully help you out some. If this doesn't apply to you then be happy but anyone can fall on hard times. But if you can't utilize this information you may know someone that can, just pass it on.

First off keep in mind that all Finance Companies are different in the way they operate. Some are more lenient and allow you to go further behind and will work with you more than others. While some are much stricter, especially given that many customers are no longer paying. Therefore, use this only as a loose guide.

Always keep in contact with the Finance company as soon as a problem arises and you can not pay. If you just got laid off make sure that you contact them immediately. Usually most finance companies offer some type of payment deferment for situations like these where you can skip 1 or 2 months payments at least once a year. Therefore, my first bit of advice is even when times are tough and you're not able to pay for whatever the reason to always keep in touch with your finance company. Of course once you get behind they will without a doubt begin to call you. Although no one like to talk to bill collectors, keep in mind that this isn't a credit card, phone bill, or any other unsecured account. Your vehicle is that company's security. So if they feel at any point that their security is is jeopardy they have the right to come and get it. So if they call answer the phone or if they leave a message return the call. The fastest way to end up on the Repo list is to lose all contact with your finance company. They will assume that you've purposely stopped paying. So when they call you let them know you are not neglecting the car note and plan on paying as soon as you have the money to do so. However, do not make false arrangements that you know you can not keep just to get them off of the phone. Breaking arrangements is also another swift way to get put on the repo list. Also, if you're required to have full coverage insurance on your vehicle then a lapse in your insurance will also bring about the red flags and may even cause them to put forced placed insurance on your vehicle at a higher cost than you providing your own insurance.

So let's say you've exhausted all your means of help meaning you've gotten extensions on your payments and you're still unable to make your monthly payment. Well most companies will make a decision on whether to repo once a person is at least 30 days past due. This means that say your due date is the 20th of each month and you've missed last month's payment. Well when the 20th of the present month comes along you're officially 30 days past due and are technically due 2 payments. Most customers feel like I'm only behind on the last month's payment. However, the finance company will look at it as 2 payments behind and based on your previous payment history (how many payments total and made on time), the value of your vehicle vs. the amount you still owe (if your vehicle is almost paid off it's likely to be worth more money), and sometimes even your attitude towards the collectors when they call you will all determine if you go out for repo. So I would use the 30 day mark as a range of when you can start to suspect your vehicle may be out for repo or about to be put out. At that point you should begin to implement the rules I've listed below.

1.) Keep it Garaged!
If you have a home with a garage then whenever you're home always make sure your vehicle is in the garage. Technically by law a repo company can not enter your garage without a court order (we'll discuss that later). However, that doesn't stop some grimy repo companies from attempting to go in your garage depending on what type of garage you have. Therefore, if you have a garage with windows on it you should cover up the windows so that no one will be able to see inside. Just keep in mind that a repo companies are powerless if they can not find your vehicle. The most they can do is try other clever ways (keep reading) to attempt to retrieve the vehicle.

2.) Keep it Fenced or Blocked In
If you do not have a garage but have a gated or fenced in driveway or hard then you're in just as good a shape. Although they can see the car because of your gated driveway they can not remove the vehicle. Just make sure you have a heavy duty lock and or chain because they are not above trying to cut a lock. Also if you don't have a fence but say you have more than one vehicle or live with a group of people then you can essentially block your car in. The idea is to make sure it's blocked in nice and tight though. Although they are able to most likely easily obtain a key for your vehicle, they are not going to be able to tow 4-5 vehicles out of your driveway to get to yours. Nor will they risk trying to drive it out or tow it out for fear of damaging the other vehicles.


3.) Switch Cars
If you are not fortunate enough to live in a house with a garage or if you work at a job that doesn't have secured parking this may be the best option for you. If you have someone that is willing to help you out ask them to switch vehicles with you. They drive your car and you drive theirs. However, please remember that when you applied for this loan you filled out a reference sheet with 3-5 people you put down as a personal reference. You supplied a name, phone number, and address for those individuals. So make sure that the person you switch with is not on that reference list. I would venture to say that switching cars is probably the most effective way to avoid the repo man. Because they essentially have no clue who has the vehicle. They may know exactly where you live and work and how to contact you. But if you are not driving the vehicle they are looking for then that information is useless. However, as you keep reading the person you switch vehicles with will need to keep some things in mind as well.


4.) Cover it Up.
Although this is not as full proof as switching cars or keeping it in a garage it can possibly be a temporary fix for those of you without garages. While standing on the outside of your car if you look in the front windshield on the far right at the bottom there is a little notch inside there are 17 characters (numbers and letters). This is your VIN (Vehicle Identification Number). This is how they can officially identify your vehicle as being the one they have out for repo. Another way to identify is by plate #. Well if you keep that number covered with a paper or something from the inside it makes it difficult to identify if they have the right vehicle. So they may spot a vehicle that fits the description of the one they have out for repo but if they can't verify that VIN then some companies are reluctant to repo the vehicle for fear of repossessing the wrong one. However, keep in mind that if you simply have it covered there's nothing to stop them from popping your lock and removing the paper you have there. Remember they are a towing company and have the tools to do so. You can try to remove that Vin # from the panel but I don't know the difficulty of doing so. Also, another extreme means would be to paint your vehicle a totally different color. I'm not sure what a paint job runs now a days but I guess if you had the money for a paint job you'd pay the note.

Another indicator of whether or not it is the correct vehicle is the plate #. Repo companies utilize license plate numbers all the time. This is why the switcharoo described above is still not full proof. If you're spotted driving your friend's car or if your friends car is always parked in your driveway then there is nothing to stop them from running your friend's plate #. Once they do it will come back to your friends name and they can then retrieve the friends address. So I would recommend keeping the plate # covered up or removed while parked in your own personal drive way. Now if you do that while parking on the street or in a public parking area you will risk getting ticketed which will bring about other problems as you keep reading.

5.) Avoid Tickets
If you or even if you have switched vehicles with someone it is important that you and that friend avoid getting ticketed for any reason. The reason is because there is a way (At least in the City of Chicago) that you can check to see if a vehicle has received a parking ticket or a red light violation ticket. Once that information is obtained there is a way (which I can not disclose) that the finance or repo company can find out the exact location of where that ticket was given. So say you got a ticket for expired plates or no city sticker while you were parked over your girl's crib. Well they can then find from that ticket your girls address and in turn attempt to repo you from there. Also, the red light violation tickets are online as well. Some you can actually view the video of you running the light. It may be harder to indicate where you were going at the time but it can at least pin point a radius of the area you are in. Also, remember that if for whatever reason your vehicle is booted due to excessive tickets it can then be impounded. Once a vehicle is impounded the finance company will receive notice of this. There is usually about a 3-7 day lapse as to when they receive notice though depending on the city you're impounded in. So if you are impounded and know that you are behind on your payments you better get the vehicle out of the pound right away. Because once the finance company receives notice they will immediately go and pick up the vehicle.


6.) Don't Run Your Credit
Unless you're trying to get a loan that will pay your car note up to date I would avoid having your credit report ran or applying for any new credit. The reason being that any new information you give such as a job, address or phone number will most likely appear on your credit report next time it is ran. And keep in mind that you signed a credit application allowing the finance company to run your credit and they can do so in order to find you or find out information about you. Also, say for instance you just opened up a new account with a new creditor there are ways (which I can not disclose) that they can get the information you provided on your account to that new creditor. Including your current address, phone number, and job information.

7.) Home for the Holidays
Remember I mentioned those references? Well unfortunately you may want to avoid visiting them in your vehicle that is out for repo especially on the holidays. That is right finance and repo companies will some times make it a point to check certain addresses on holidays. If they have your mom or grandmom's address they will run it on a holiday hoping to catch you visiting on Thanksgiving, Christmas or 4th of July. Also, speaking of references if you have any bad blood with any of the people you've put as a reference you may want to quickly make amends with them. Because when it boils down to it they will not hesitate to snitch you out to the repo or finance company. I've seen bitter baby mama's and ex-girlfriends do it a lot. And just know that the finance company is not above offering financial restitution [A bribe] in exchange for information on where you or their vehicle is. What's a couple hundred dollars when it will lead to them recovering their vehicle worth thousands of dollars.

8.) Trap Cards
There are plenty of tactics that can be used to get you to call and once you do they will try to fish for information. One of these tactics is called using a trap card. The repo company will leave a card and or letter at the address stating something that will get you to call them. Once a company we utilized left a card indicating that they were trying to deliver a package to the customer. Well the customer called them back stating she's not home during the day and to deliver the package to her work. Well needless to say that information was used to repo the vehicle and there was never a real package. So if something sounds too good to be true it usually is. Also, with this you should avoid answering unknown/blocked calls, or calls from numbers you do not recognize. If you must return a call check the next tip on how to respond.

9.) Use a Payphone
If for any reason you decide to or have to contact the finance company it's best to do so from a payphone. I know they're kind of hard to find now a days but it will keep them off of your trail. Don't try to use your friend's phone or anyone else because they will find out who's phone you're using. And with today's technology even if you call in blocked or (*67) they can still get the number you're calling from. And if you call from a number they don't have already even if it's a friend's phone they will find out the name and address that number goes to. There are ways they can even text message you with hopes that you respond.

10.) Change of Address
If your vehicle is out for repo they will try to find you at any and every address they have associated with your account. Even old addresses you didn't even know they had. So, if you've moved from a previous address you may not want to put in a change of address with the post office. If your finance company sends a letter to your previous address then the post office will send a change of address back to the company. And you know they'll be looking for you at your new address.

11.) Don't Answer the Door
Just as with answering the phone for unknown callers don't answer the door either. Repo agents will come right up to your door and knock to get in touch with you. Some agents may use aggressive or scare tactics in order to reach you or to obtain the vehicle. For instance some agents carry badges but the badges are simply repossesor badges. But obviously they're hoping that you or the person that answers the door will think it's a police badge. I've even heard of agents lying saying that the vehicle was involved in a hit and run accident with hopes someone will give up some information. So if you have a peep hole use it and don't answer the door for any unknown individuals.


12.) Be on the Look out
Most people think of repo and think tow truck. Well now a days repo agents don't drive the traditional tow trucks. Some have high tech vehicles that look like regular pick up trucks. Also, as I mentioned they can get a copy of your key very easily. So some times they will travel in a regular car hoping to spot your vehicle and simple drive off in it. So, if you're on the look out you'll want to look for anything supsicious not just a tow truck driving down your block.

If you follow the above rules and tips you should be able to avoid the repo man for a time being. Again, this is not a guide for someone to rip off the finance companies even though they may have ripped you off (should've read the fine print). But if you're in a bind and need to buy yourself some time in order to get your finances together then these things may indeed help you out. The last thing that I want to discuss is something that can be a consequence of avoiding the repo man too long. Of course you can face adverse credit ratings, and possibly having your wages garnished. But if the vehicle is expensive and worth a lot to the finance company they can obtain what is called a Replevin. Basically a replevin is a court order in which the finance company has obtained which allows them to demand that you give them the vehicle back. Once this court order is obtained and served to you by a sheriff officer you must surrender the vehicle within the specified time or you will basically be arrested. So, again utilize the above info only to buy yourself time don't go into the business of ripping off finance companies.

--Anonymous--

Confessions of an Auto Finance Company Employee

So last Friday morning we were awakened out of our sleep by somone laying on our buzzer! If you've ever been awoken out of your sleep by any loud sound whether it be a baby crying, smoke alarm or whatever then you know how it leaves you in that sort of panic state. So I stumbled to the living room and politely, asked who was at the buzzer. Naw I'm lying I think I said something like "who the hell is this?"

The respondant stated they were with some auto recovery place and they were looking for the previous tenant. I yelled back they don't live here or something to that affect. They persisted to ask where he lives now and is he in another apartment. I again yelled I don't know, but he doesn't live here. They tried to again aggressively question me through the intercom. Finally, they said well this is unit ___ and we have his car on the tow truck. I was about to say I don't give a.... "wait what kind of car is it?" (I'm good but I was half sleep so you know I had to just make sure. lol) He replied "A Mercedes Benz." I yelled back "oh ok well whatever he don't live here bye!"

After that I looked at the time and it was like 4am. I was left unable to go back to sleep for probably another hour. Mind you I get up at like 6:40am. But in the end I guess I found it kind of funny, just because of what I used to do for a living. So as a treat to all those that may be struggling in this down economy I decided to re-post the blog below. Some tips that may help you out if you're in the same spot as my man with the Benz.
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To begin, this is an anonymous posting. It is coming from a person that has expertise in this field/industry and felt the need to help out some individuals by giving out inside information. Use the information as you choose and at your own risk. We assume no liability for what happens based on you using or not using the information...

As we all know today's economy is not what it was 8+ years ago. People are really struggling now a days. They're getting laid off from work, they're in debt, and barely able to keep their head above water. In some cases they're unable to afford food to eat let alone keep a roof over their head or a car to get around in.

Well I work in the car finance company and I have witnessed the people struggling to pay high car note payments. It's hard out here for everyone. And when you're put into a situation as to whether you keep a roof over your family's head and food in the fridge versus to pay a car note payment well it's a simple choice as to which is going to fall by the way side. However, business is business and well the Finance Company is in business to make money and if you're not going to pay for whatever the reason may be well they have no choice but to do what they have to do. And ultimately that decision will be to come looking for their collateral which is the car and or truck or motorcyle.


Well I've been in this field for over 5 years and I've seen and done it all when it comes to car financing and repossessions. However, I'm just the low man on the totem pole so I'm just like the average person. Possibly a paycheck or 2 away from being a victim of the same fate. Therefore, I am writing this confession in an attempt to hopefully help some unfortunate individuals avoid the Repo man. Keep in mind I am not advocating or urging anyone to not pay their bills. Paying your bills on time is always the right thing to do. But just in case anyone finds themselves in a rough spot given these tough economic times well here's a guide to hopefully help you out some. If this doesn't apply to you then be happy but anyone can fall on hard times. But if you can't utilize this information you may know someone that can, just pass it on.

First off keep in mind that all Finance Companies are different in the way they operate. Some are more lenient and allow you to go further behind and will work with you more than others. While some are much stricter, especially given that many customers are no longer paying. Therefore, use this only as a loose guide.

Always keep in contact with the Finance company as soon as a problem arises and you can not pay. If you just got laid off make sure that you contact them immediately. Usually most finance companies offer some type of payment deferment for situations like these where you can skip 1 or 2 months payments at least once a year. Therefore, my first bit of advice is even when times are tough and you're not able to pay for whatever the reason to always keep in touch with your finance company. Of course once you get behind they will without a doubt begin to call you. Although no one like to talk to bill collectors, keep in mind that this isn't a credit card, phone bill, or any other unsecured account. Your vehicle is that company's security. So if they feel at any point that their security is is jeopardy they have the right to come and get it. So if they call answer the phone or if they leave a message return the call. The fastest way to end up on the Repo list is to lose all contact with your finance company. They will assume that you've purposely stopped paying. So when they call you let them know you are not neglecting the car note and plan on paying as soon as you have the money to do so. However, do not make false arrangements that you know you can not keep just to get them off of the phone. Breaking arrangements is also another swift way to get put on the repo list. Also, if you're required to have full coverage insurance on your vehicle then a lapse in your insurance will also bring about the red flags and may even cause them to put forced placed insurance on your vehicle at a higher cost than you providing your own insurance.

So let's say you've exhausted all your means of help meaning you've gotten extensions on your payments and you're still unable to make your monthly payment. Well most companies will make a decision on whether to repo once a person is at least 30 days past due. This means that say your due date is the 20th of each month and you've missed last month's payment. Well when the 20th of the present month comes along you're officially 30 days past due and are technically due 2 payments. Most customers feel like I'm only behind on the last month's payment. However, the finance company will look at it as 2 payments behind and based on your previous payment history (how many payments total and made on time), the value of your vehicle vs. the amount you still owe (if your vehicle is almost paid off it's likely to be worth more money), and sometimes even your attitude towards the collectors when they call you will all determine if you go out for repo. So I would use the 30 day mark as a range of when you can start to suspect your vehicle may be out for repo or about to be put out. At that point you should begin to implement the rules I've listed below.

1.) Keep it Garaged!
If you have a home with a garage then whenever you're home always make sure your vehicle is in the garage. Technically by law a repo company can not enter your garage without a court order (we'll discuss that later). However, that doesn't stop some grimy repo companies from attempting to go in your garage depending on what type of garage you have. Therefore, if you have a garage with windows on it you should cover up the windows so that no one will be able to see inside. Just keep in mind that a repo companies are powerless if they can not find your vehicle. The most they can do is try other clever ways (keep reading) to attempt to retrieve the vehicle.

2.) Keep it Fenced or Blocked In
If you do not have a garage but have a gated or fenced in driveway or hard then you're in just as good a shape. Although they can see the car because of your gated driveway they can not remove the vehicle. Just make sure you have a heavy duty lock and or chain because they are not above trying to cut a lock. Also if you don't have a fence but say you have more than one vehicle or live with a group of people then you can essentially block your car in. The idea is to make sure it's blocked in nice and tight though. Although they are able to most likely easily obtain a key for your vehicle, they are not going to be able to tow 4-5 vehicles out of your driveway to get to yours. Nor will they risk trying to drive it out or tow it out for fear of damaging the other vehicles.


3.) Switch Cars
If you are not fortunate enough to live in a house with a garage or if you work at a job that doesn't have secured parking this may be the best option for you. If you have someone that is willing to help you out ask them to switch vehicles with you. They drive your car and you drive theirs. However, please remember that when you applied for this loan you filled out a reference sheet with 3-5 people you put down as a personal reference. You supplied a name, phone number, and address for those individuals. So make sure that the person you switch with is not on that reference list. I would venture to say that switching cars is probably the most effective way to avoid the repo man. Because they essentially have no clue who has the vehicle. They may know exactly where you live and work and how to contact you. But if you are not driving the vehicle they are looking for then that information is useless. However, as you keep reading the person you switch vehicles with will need to keep some things in mind as well.


4.) Cover it Up.
Although this is not as full proof as switching cars or keeping it in a garage it can possibly be a temporary fix for those of you without garages. While standing on the outside of your car if you look in the front windshield on the far right at the bottom there is a little notch inside there are 17 characters (numbers and letters). This is your VIN (Vehicle Identification Number). This is how they can officially identify your vehicle as being the one they have out for repo. Another way to identify is by plate #. Well if you keep that number covered with a paper or something from the inside it makes it difficult to identify if they have the right vehicle. So they may spot a vehicle that fits the description of the one they have out for repo but if they can't verify that VIN then some companies are reluctant to repo the vehicle for fear of repossessing the wrong one. However, keep in mind that if you simply have it covered there's nothing to stop them from popping your lock and removing the paper you have there. Remember they are a towing company and have the tools to do so. You can try to remove that Vin # from the panel but I don't know the difficulty of doing so. Also, another extreme means would be to paint your vehicle a totally different color. I'm not sure what a paint job runs now a days but I guess if you had the money for a paint job you'd pay the note.

Another indicator of whether or not it is the correct vehicle is the plate #. Repo companies utilize license plate numbers all the time. This is why the switcharoo described above is still not full proof. If you're spotted driving your friend's car or if your friends car is always parked in your driveway then there is nothing to stop them from running your friend's plate #. Once they do it will come back to your friends name and they can then retrieve the friends address. So I would recommend keeping the plate # covered up or removed while parked in your own personal drive way. Now if you do that while parking on the street or in a public parking area you will risk getting ticketed which will bring about other problems as you keep reading.

5.) Avoid Tickets
If you or even if you have switched vehicles with someone it is important that you and that friend avoid getting ticketed for any reason. The reason is because there is a way (At least in the City of Chicago) that you can check to see if a vehicle has received a parking ticket or a red light violation ticket. Once that information is obtained there is a way (which I can not disclose) that the finance or repo company can find out the exact location of where that ticket was given. So say you got a ticket for expired plates or no city sticker while you were parked over your girl's crib. Well they can then find from that ticket your girls address and in turn attempt to repo you from there. Also, the red light violation tickets are online as well. Some you can actually view the video of you running the light. It may be harder to indicate where you were going at the time but it can at least pin point a radius of the area you are in. Also, remember that if for whatever reason your vehicle is booted due to excessive tickets it can then be impounded. Once a vehicle is impounded the finance company will receive notice of this. There is usually about a 3-7 day lapse as to when they receive notice though depending on the city you're impounded in. So if you are impounded and know that you are behind on your payments you better get the vehicle out of the pound right away. Because once the finance company receives notice they will immediately go and pick up the vehicle.


6.) Don't Run Your Credit
Unless you're trying to get a loan that will pay your car note up to date I would avoid having your credit report ran or applying for any new credit. The reason being that any new information you give such as a job, address or phone number will most likely appear on your credit report next time it is ran. And keep in mind that you signed a credit application allowing the finance company to run your credit and they can do so in order to find you or find out information about you. Also, say for instance you just opened up a new account with a new creditor there are ways (which I can not disclose) that they can get the information you provided on your account to that new creditor. Including your current address, phone number, and job information.

7.) Home for the Holidays
Remember I mentioned those references? Well unfortunately you may want to avoid visiting them in your vehicle that is out for repo especially on the holidays. That is right finance and repo companies will some times make it a point to check certain addresses on holidays. If they have your mom or grandmom's address they will run it on a holiday hoping to catch you visiting on Thanksgiving, Christmas or 4th of July. Also, speaking of references if you have any bad blood with any of the people you've put as a reference you may want to quickly make amends with them. Because when it boils down to it they will not hesitate to snitch you out to the repo or finance company. I've seen bitter baby mama's and ex-girlfriends do it a lot. And just know that the finance company is not above offering financial restitution [A bribe] in exchange for information on where you or their vehicle is. What's a couple hundred dollars when it will lead to them recovering their vehicle worth thousands of dollars.

8.) Trap Cards
There are plenty of tactics that can be used to get you to call and once you do they will try to fish for information. One of these tactics is called using a trap card. The repo company will leave a card and or letter at the address stating something that will get you to call them. Once a company we utilized left a card indicating that they were trying to deliver a package to the customer. Well the customer called them back stating she's not home during the day and to deliver the package to her work. Well needless to say that information was used to repo the vehicle and there was never a real package. So if something sounds too good to be true it usually is. Also, with this you should avoid answering unknown/blocked calls, or calls from numbers you do not recognize. If you must return a call check the next tip on how to respond.

9.) Use a Payphone
If for any reason you decide to or have to contact the finance company it's best to do so from a payphone. I know they're kind of hard to find now a days but it will keep them off of your trail. Don't try to use your friend's phone or anyone else because they will find out who's phone you're using. And with today's technology even if you call in blocked or (*67) they can still get the number you're calling from. And if you call from a number they don't have already even if it's a friend's phone they will find out the name and address that number goes to. There are ways they can even text message you with hopes that you respond.

10.) Change of Address
If your vehicle is out for repo they will try to find you at any and every address they have associated with your account. Even old addresses you didn't even know they had. So, if you've moved from a previous address you may not want to put in a change of address with the post office. If your finance company sends a letter to your previous address then the post office will send a change of address back to the company. And you know they'll be looking for you at your new address.

11.) Don't Answer the Door
Just as with answering the phone for unknown callers don't answer the door either. Repo agents will come right up to your door and knock to get in touch with you. Some agents may use aggressive or scare tactics in order to reach you or to obtain the vehicle. For instance some agents carry badges but the badges are simply repossesor badges. But obviously they're hoping that you or the person that answers the door will think it's a police badge. I've even heard of agents lying saying that the vehicle was involved in a hit and run accident with hopes someone will give up some information. So if you have a peep hole use it and don't answer the door for any unknown individuals.


12.) Be on the Look out
Most people think of repo and think tow truck. Well now a days repo agents don't drive the traditional tow trucks. Some have high tech vehicles that look like regular pick up trucks. Also, as I mentioned they can get a copy of your key very easily. So some times they will travel in a regular car hoping to spot your vehicle and simple drive off in it. So, if you're on the look out you'll want to look for anything supsicious not just a tow truck driving down your block.

If you follow the above rules and tips you should be able to avoid the repo man for a time being. Again, this is not a guide for someone to rip off the finance companies even though they may have ripped you off (should've read the fine print). But if you're in a bind and need to buy yourself some time in order to get your finances together then these things may indeed help you out. The last thing that I want to discuss is something that can be a consequence of avoiding the repo man too long. Of course you can face adverse credit ratings, and possibly having your wages garnished. But if the vehicle is expensive and worth a lot to the finance company they can obtain what is called a Replevin. Basically a replevin is a court order in which the finance company has obtained which allows them to demand that you give them the vehicle back. Once this court order is obtained and served to you by a sheriff officer you must surrender the vehicle within the specified time or you will basically be arrested. So, again utilize the above info only to buy yourself time don't go into the business of ripping off finance companies.

--Anonymous--