Debt collection Case Study #021: Family Loan The client and his niece, the debtor, had always had a close relationship. The debtor, a promising student, was accepted into a prestigious university abroad but struggled with the tuition fees. The client generously offered to lend her SGD$25,000 to cover her first-year tuition, with the understanding that she would repay him once she started working after graduation. No formal agreement was signed, trusting their family bond to ensure repayment. Four years later, the debtor had graduated and secured a job, but when the client brought up the loan, she delayed, claiming she had student loans and living expenses to manage. As time passed, the debtor stopped responding to the client messages altogether, leaving him feeling frustrated and unsure of what to do. The client turned to JMS Rogers for help. The asset recovery team reviewed bank transfers and text messages between the client and the debtor, confirming that the money was indeed a loan. When JMS Rogers contacted the debtor, she argued that the loan had been a family gift to support her education. However, JMS Rogers presented the evidence, and after several discussions, the debtor agreed to a repayment plan that allowed her to repay the debt over the next three years. This case underscores the importance of clearly defining the terms of financial assistance, even within families. JMS Rogers helped the client recover his money without escalating tensions within the family. What can we learn: Family Loans Need Clear Agreements – Even within families, it’s essential to set clear, written terms for financial assistance. This case shows how relying solely on verbal agreements can lead to misunderstandings and strained relationships. Emotions Can Complicate Debt Recovery – When financial disputes arise between family members, emotions often cloud the situation. JMS Rogers managed to navigate these complexities with professionalism, ensuring that the debt was recovered without escalating family tensions. Repayment Plans Foster Resolution – Creating a repayment plan that aligns with the debtor’s financial situation can lead to successful debt recovery. JMS Rogers helped the debtor manage her obligations while respecting family ties, allowing the client to recover his money over time. Read more : https://www.jmsrogers.com/

men facial you can think of it like this: if the basic skincare you do at home is like self-washing your car, going for a facial is like going to a professional car wash. for this reason, you only need to go for facials every four to six weeks. each facial might last anywhere from 60 to 90 minutes. how are men’s facials different from women’s? in a 2018 study published in the international journal of women’s dermatology, the results show that men’s skin has: – thicker skin – deeper facial wrinkles – prominent sagging around lower eyelids – higher sebum production level – higher levels of skin pigmentation – higher rate of transepidermal water loss this also means that you cannot show up at generic facial salons and request the typical regimen offered as it is most likely tailored for women’s skin. treatments for men might require a deeper cleansing mask to tackle clogged pores as a result of excess sebum production, deeper hydration treatment, and a focus on problem areas around facial hairs and eyelids. be sure to reflect the skin conditions or problems that you have with the aesthetician. conditions like acne and ingrown hairs as a result of shaving will require more attention and even specialised formulation. Book an Appointment with us : https://www.faceofman.com.sg/treatments/