“ 85% of your financial success is due to your personality and ability to communicate, negotiate, and lead.
Shockingly, only 15% is due to technical Knowledge. “
Source: Carnegie Institute of Technology
“Insolvency expert, self-help author uses senior Bandido to settle debts”
1. The information provided here notably “Bandido” by Cameron Houston and Chris Vedelago is used to embellish the article.
“Doug Constable claims to be an “insolvency expert”, who helps ailing businesses stave off creditors and avoid bankruptcy.
The 66-year-old businessman, who wrote a book called How to Not Pay Your Debts, says he is “passionate about helping people draw a line in the sand in times of financial distress”.”
2.The information provided here by Cameron Houston and Chris Vedelago is used to embellish the article, notably helping businesses “stave off” creditors. Please provide evidence.
An open letter to Cameron Houston
Good afternoon Cameron,
After your phone call Thursday afternoon, I had the opportunity to reflect on your questions and comments.
It has reminded me of our last phone discussion in June last year.
As a result of that discussion you wrote an article with a particular slant or angle, you neglected to point out I had been threatened by Peter Hiscock, I was unhappy with the work of Randal Glennon of the Three Wise Men, the logo presented to me was a copy of a logo already being used and some of the content was plagiarised.
In 2014 Christopher Collier first met Doug Constable when Collier responded to an ad Doug’s company ran on radio for people who had a debt problem.
Doug met Chris Collier at a pub in Hawthorn. Chris didn’t want current employer “Guild Insurance”, also located in Hawthorn, to know he was working in another business concurrently.
Doug explained what had to be done next with Collier’s failing business.
At this time Doug also referred Chris Collier to a Mortgage Broker.
Ultimately Doug found there was no trading Chris Collier’s failing company Cobb & Co Clocks out of its crisis.
Doug Constable, Response
The Age National
13 April, 2016
The Age recently ran the heart-breaking story of Aaron Szepesvary and his family who lost everything and were forcibly evicted from their suburban Melbourne home, all over an unpaid $20,000 credit card debt.
You can read the original article here:
- Age article Riches to Rags
I am Douglas Constable, affectionately known as “Doug” author of “What to do When You Can’t Pay Your Debts”.My primary work, Carlton Ross, is a business management resource and services company to help business owners at any stage of their business.With over 50 years business experience, I had assisted clients to see a complete picture of their business and financial circumstances and provided simple, smart solutions to keep people moving forward.I was backed with a network of skilled accountants, solicitors, financial planners and finance brokers.
Who Am I? What Do I Do?
It is difficult to explain precisely what I do as most people know very little about the practical side of personal bankruptcy or its corporate equivalent, corporate insolvency. That’s not really a surprise since people usually have no need to know about it until they experience it. Even then I’m surprised at how little, people who have experienced it actually know about it as well.
The best answer of what I do probably comes from a client I had recently helped achieve annulment from his bankruptcy and restore his credit file as if it had never happened. “What is Doug Constable? He’s The Conductor.” If you’ve ever been to the symphony you’ll know what he meant . The orchestra is made up of groups of individual musicians. These musicians are grouped into families. The woodwind family, the strings family, the brass family; you get the idea. If you’ve ever heard one of these families on their own you’ll appreciate that whilst they are entertaining on their own, the sound when these families play in unison is far superior to the individual families playing on their own.
Imagine that one of the families is your legal service, the other your accountant’s services, the other may be your financial advisor; each individually respected and, hopefully, efficient services. Do you ever wish you could get them operating in unison? Do you ever wish you had a way to coordinate their services in a harmonious manner? That’s what I do. I’m the conductor.
In the same way that an orchestra needs all of the individual families to make the beautiful sounds you hear at a recital, individuals and businesses need a variety of services to achieve their financial goals. I’m not a solicitor, nor an accountant, nor a barrister, or a valour, a trustee or liquidator. My role is to strategize a plan for you to conduct your professional services in unison.
The conductor title seems to fit (except those that know me know I couldn’t carry a tune in a bucket). My role is to help my clients orchestrate a smoother financial transition and to walk alongside my clients and provide a partnership if you like through, not just this phase, but also their ongoing business or personal financial journey for the years to come.
Another client refers to me as the Master Strategist. This too fits. My philosophy is that a strategy is the most important tool you can have in your toolbox. Without a strategy it’s difficult to fulfil my role as the conductor. It’s a bit like trying to conduct an orchestra without any musical score to work from. I’m sure you would agree it just wouldn’t work. It’s the same with my role as the conductor. It won’t work if I don’t have a strategy to work from and it’s the ability to create an effective strategy that defines what I do.
You can’t study the techniques I deploy to create my strategy at any educational institution. It’s something that you can only learn with lots of experience and dealing with lots of personal and business-insolvent clients. That’s what I have – experience and I’m delighted to share it with you.
Simply put, I’ve never met anybody with my experience and who does what I do. There are many books about the laws of bankruptcy, the rights of creditors, the role of the trustee, as well as biographies of famous bankrupts, but none that I can find that can I can share with you, and which could teach the strategies and techniques that ordinary people like you have used to survive and build a better financial future.
I had published a book “What to do When You Can’t Pay Your Debts”.
This is not a book for dodgy business people. It’s not a book for financial gurus seeking to take advantage of other’s misfortunes.This book is about how to avoid bankruptcy and insolvency where possible, but not at the expense of your own sanity, health, relationships and future business and income opportunities. It’s about knowing when to draw the line, how to be timely with your decisions and what you can do to move forward.
This book is about how to benefit from the financial mechanisms available to you; how to find the armour you need to join in the battle and how to emerge from the battle victorious and back on the path to future financial prosperity for yourself, your business and your family.
You won’t read what I’m about to tell you anywhere else. Simply put, I’ve never met anybody with my experience and who does what I do. There are many books about the laws of bankruptcy, the rights of creditors, the role of the trustee, as well as biographies of famous bankrupts, but none that I can find that can I can share with you, and which could teach the strategies and techniques that ordinary people like you have used to survive and build a better financial future.
About Carlton Ross Advisers & Consultants
I am the director of “Carlton Ross Advisers & Consultants”.
We are specialists, many of our staff have been in situations similar to our clients so we understand what you may be experiencing. We have helped many people to start afresh and go on to have a successful career or business ownership.
Our solutions for individuals and businesses in financial difficulty are proven and will provide you with a clear direction forward. Your current financial situation is not a dead end. It is a common bumpy patch, and by seeking immediate help you can most likely get your life back on the road with these events behind you.
Never allow financial problems to fester. The personal stress will build and the longer you leave things, the fewer the options.
Carlton Ross will approach your situation swiftly and with compassion. We will always be in your corner to relieve the burden from your shoulders.