I got this flier in the mail. It looked like a letter. It was an URGENT NOTICE with a File Number and  RE: DELIQUENT AUTO LOAN. The opening for the letter read STATUS: DEFAULT. By the way, I didn’t spell delinquent wrong, it was wrong on the letter.

The letter came from a company that wants to revitalize your loans to get you out of default status and reduce your payments. Their letter depicts how bad it could be by showing you what your letters might already look like. This is what you want to stop coming to your house. Even the envelope had an FINAL NOTICE on the outside.

Personally, I think this selling tool is wholly inappropriate. Really, if I were in trouble with a loan, they are the last people I would sign up with. Cheesy tactics to me indicate a cheesy company. Maybe even desperate. Certainly they are a company with less than the best ethical decision making process.

Perhaps they should get points for being frugal. And that’s only assuming they were smart enough not to have paid for this visually unattractive, content-poor marketing tool.

What’s your take? What do you think of intimidation as a tool to attract business? Do you ever get ads in the mail that you’re sure you can improve?