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Petra Zwegert debt advisor
getting out of debt
Today I have an appointment with Mr. Laus
who called me for help because he can't handle his dept anymore.
Let's see if I can help.
It doesn't look noble here
I'm curious to see what awaits me.
Good afternoon Mr. Laus.
Hello Ms. Zwegert, just call me Niko.
Mr Laus or dear Niko, what is the exact amount of your indebtedness and how did they emerge?
I'm sorry but I don't know the exact amount of my indebtedness, I totally lost track.
I don't live like a lord but I'm a freelance businessman
but the business doesn't bring in enough money.
During summer the business is very bad and I have to job as pool attendant to scratch a living.
I went over your documents
and there are aplenty bills and dunning letters of an internet mail-order company
for oodles of reindeer fodder, what can you tell me about it?
I know, but I really can't pay this at the moment but I really need the reindeers.
Without my reindeers I can close my business immediately .
Unfortunately the reindeers want to eat during summer as well
furthermore there is the renal fee for the barn, the storage cost for the gifts and toys
and the sleigh hat to be stored somewhere.
So I have lots of current costs in summer too.
Mr. Laus, so you want to tell me that you necessarily need the reindeers for your business?
How many times a month do you need the reindeers for your business?
How many times a month? Ho ho ho ho!
My dear Ms. Zwegert, actually I need them only once a year
to wit, every 24th of December.
But nevertheless, the reindeers definitely belong to my business concept.
I can't resign them.
We don't get ahead in this point.
So let's go on with your incomes.
What do you guess, what is the whole amount of your incomes a month?
Incomes? Ho ho ho ho!
I didn't even earn one cent with my freelance business so far.
What is responsible for this? Are you lacking of customers?
Ho ho! No, I can't complain about a lack of customers.
My customer loyalty is actually remarkable well.
My target group comprised mainly children up to an age of 16 years.
But there are just kids and a payment is not intended in my business concept.
Furthermore the competition is getting harder,
each year more copycats show up.
Young people stick beard on their faces and pretend to be me
and they are getting paid handsomely by the parents of the childern.
That takes the biscuit!
Mr. Laus, that can't be true!
This is the dumbest business idea I ever heard of!
I don't know what to say.
Mr. Laus, I suggest I take your documents with me and I'll go over it a second time and
I'll think about your situation and we'll see if there is anything I can do for you.
one week later
Mr. Laus, as promised I thought of your situation but I have to tell you
that I'm not able to be very helpfull. At first you have to modify your business concept.
My flip chart which I use to carry with me got lost, so therefore I use thie improvised solution.
I already wrote "target group".
"target group" means you have to change your target group.
You can go on delivering the children but the parents must be the co-contractors
because those have contractual capability and so get to the most important point: "bills"
You have to write bills for your services.
you must demand the money from the adults namely the parents.
Next point I wrote here: "concession"
To get rid of the copycats you have to own a lawful licence.
You need to licence your activity, that's very important.
That's almost all. I suggest to sell your reindeers
and to rent some reindeers every 24th of December.
I don't know if that's possible but nowadays everything should be possible.
And I have a last hint for you
I write "Mr. Bunny" on the board
Similar to you, Mr. Bunny carries on a seasonal business
but he operates in spring-time and he is concentrated on delivering eggs.
You are familiar with seasonal businesses and so I suggest you contact this Mr. Bunny
and so you both can exchange your ideas and advise each other.
Dear Mr. Laus, that's unfortunately all I can do for you.
I hope my advices will help you.
I'm very grateful to Ms. Zwegert for her help.
With her advices I surely will be able to modify my business
so that I finally will make some money.
Thanks to her help I hopeful look ahead. Ho ho ho!
You just watched: "getting out of dept" with Petra Zwegert and Niko Laus
Any similarity to living persons is purely coincidental