3 ms·

Civilize – Manage Your Debt

19 points by sarahnadav 12y ago

sarahnadav 12y ago
Last time I posted this, we got so much traffic the site went down and no one got to see it. A bunch of people were interested so I am trying it again
- RyJones 12y ago
  Neat! Good luck, seems like a growth industry.
  - sarahnadav 12y ago
    It is a massive growth industry- around 111,000,000 Americans currently have a debt in collections
leesalminen 12y ago
Cool idea.
- sarahnadav 12y ago
  thanks!
sarahnadav 12y ago
If you want to try it out- use the coupon code: free4ever You will still need to put in your credit card information because registered letters cost money but we will never charge you for the service
- sarahnadav 12y ago
  Just to clarify- we will never charge you for the monthly service, only if you order and send a registered letter (which you can always print and send yourself)
ezrameanshelp 12y ago
Awesome. Really helping people. How did you choose this idea?
- sarahnadav 12y ago
  It has been an evolution- I got into debt during a life crisis and was shocked by how I was treated. I was hounded and devastated. I researched the industry and saw how broken it was, and how many people didn't know their rights so I created something which could help them.
mrjatx 12y ago
I'm very familiar with whats necessary to clean credit, debt validation letters, things of that nature. I feel like you do a very poor job of describing what the site is. I'm not sure what I get if I sign up. I get a registered mail service, that's cool, but what else? What is the inbox? Do the letters go out from you, and you receive the replies, and then put the replies into the inbox? A lot of these letters require a SCARY level of information, I just wrote one to TransUnion that required my social, last 3 addresses and several other things- can't wait to find out that was accidentally grabbed out of the mail. How do the letters go from your mailbox to the inbox? Programatically? Does an intern see all of my info? Is that even what happens? I have no idea because your site doesn't explain WHAT it is actually capable of doing. What templates do you have? Can I import my own templates? What is consumer protection resources? How do you plan to market this to someone less familiar with credit repair? I just signed up to hopefully answer these questions but this should be laid out on the first page. Edit: This is meant to be wholly constructive, I'm just in the middle of a few tasks right now so it's pretty jumbled up.
- sarahnadav 12y ago
  Hi- thanks for all the questions, since we are just launching- I am happy to get feedback because I want the service to be easy to understand. I'll start with the safety of your information. Any critical customer information that a customer needs to enter or access is stored on a separate and encrypted server. Nobody except the CEO and tech lead have access to the server. The letters are sent as hard copies to an employee from CIVILIZE who collates and sends the registered letters. Our team works closely and there is a protocol for how the letters are handled. There is always the option to send the letters to the collection agency via registered mail yourself. The copies of letters are kept on the encrypted server. The template letters are the ones provided by the consumer financial protection bureau to verify a debt, dispute a debt, cease and desist, and give instructions for future contact. You can't import your own templates- but if you have a good one, you can always contact our support team because perhaps we would add it. For those who sign up for our paid service, they send the registered letter with instructions for contact and inform their creditor that the only way to be reached is through CIVILIZE email platform. From that point on, the communication between creditor and client happen like a normal email service (like gmail) it is not visible to our staff (except our lead tech) unless it is flagged by the client as being abusive. Our protection resources besides the letters and email are being rolled out so it isn't public yet. We are not marketing this for "credit repair" as much as we are trying to address the pain of being harassed and abused. This is something that people seem to understand easily. Please keep asking if there is anything I missed!
dew2105 12y ago
Finally, a debt solution that provides basic dignity to those in debt.
- sarahnadav 12y ago
  Thanks- that is our goal
sarahnadav 12y ago
If there are any other questions- please feel free to ask...

19 points by sarahnadav 12y ago

Last time I posted this, we got so much traffic the site went down and no one got to see it. A bunch of people were interested so I am trying it again

RyJones 12y ago
Neat! Good luck, seems like a growth industry.
- sarahnadav 12y ago
  It is a massive growth industry- around 111,000,000 Americans currently have a debt in collections

leesalminen 12y ago

Cool idea.

sarahnadav 12y ago
thanks!

sarahnadav 12y ago

If you want to try it out- use the coupon code: free4ever You will still need to put in your credit card information because registered letters cost money but we will never charge you for the service

sarahnadav 12y ago
Just to clarify- we will never charge you for the monthly service, only if you order and send a registered letter (which you can always print and send yourself)

ezrameanshelp 12y ago

Awesome. Really helping people. How did you choose this idea?

sarahnadav 12y ago
It has been an evolution- I got into debt during a life crisis and was shocked by how I was treated. I was hounded and devastated. I researched the industry and saw how broken it was, and how many people didn't know their rights so I created something which could help them.

mrjatx 12y ago

I'm very familiar with whats necessary to clean credit, debt validation letters, things of that nature. I feel like you do a very poor job of describing what the site is. I'm not sure what I get if I sign up. I get a registered mail service, that's cool, but what else? What is the inbox? Do the letters go out from you, and you receive the replies, and then put the replies into the inbox? A lot of these letters require a SCARY level of information, I just wrote one to TransUnion that required my social, last 3 addresses and several other things- can't wait to find out that was accidentally grabbed out of the mail. How do the letters go from your mailbox to the inbox? Programatically? Does an intern see all of my info? Is that even what happens? I have no idea because your site doesn't explain WHAT it is actually capable of doing. What templates do you have? Can I import my own templates? What is consumer protection resources? How do you plan to market this to someone less familiar with credit repair? I just signed up to hopefully answer these questions but this should be laid out on the first page. Edit: This is meant to be wholly constructive, I'm just in the middle of a few tasks right now so it's pretty jumbled up.

sarahnadav 12y ago
Hi- thanks for all the questions, since we are just launching- I am happy to get feedback because I want the service to be easy to understand. I'll start with the safety of your information. Any critical customer information that a customer needs to enter or access is stored on a separate and encrypted server. Nobody except the CEO and tech lead have access to the server. The letters are sent as hard copies to an employee from CIVILIZE who collates and sends the registered letters. Our team works closely and there is a protocol for how the letters are handled. There is always the option to send the letters to the collection agency via registered mail yourself. The copies of letters are kept on the encrypted server. The template letters are the ones provided by the consumer financial protection bureau to verify a debt, dispute a debt, cease and desist, and give instructions for future contact. You can't import your own templates- but if you have a good one, you can always contact our support team because perhaps we would add it. For those who sign up for our paid service, they send the registered letter with instructions for contact and inform their creditor that the only way to be reached is through CIVILIZE email platform. From that point on, the communication between creditor and client happen like a normal email service (like gmail) it is not visible to our staff (except our lead tech) unless it is flagged by the client as being abusive. Our protection resources besides the letters and email are being rolled out so it isn't public yet. We are not marketing this for "credit repair" as much as we are trying to address the pain of being harassed and abused. This is something that people seem to understand easily. Please keep asking if there is anything I missed!

dew2105 12y ago

Finally, a debt solution that provides basic dignity to those in debt.

sarahnadav 12y ago
Thanks- that is our goal

sarahnadav 12y ago

If there are any other questions- please feel free to ask...