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" This report every 6 minutes -- morning. Newstalk 1400 WSTC. Thirteen fifty WA LOK. Elites in power in the south -- goal for you to save more. Then less and avoid getting -- Toll free 87787. -- on the web Clark Howard dot com. My wife and I try every once a wild say Hannah. What we -- where we go Allen have a nice dinner and her eyes then go and wander around wherever we feel like blundering around after dinner and we had an opportunity. Last week to go out for a very nice dinner and it. And it extremely expensive restaurant. And we win because they were offering a special."

" Which was a three course meal for 29 dollars and restaurant they usually you're gonna pay eighty year or so per person. And so -- went. Ten are 29 dollar meal and it was good -- was. Really top drawer. And it was an appetizer. Entree and dessert. And the restaurant business. It is pulling out all stops right now -- is one of the things that's happened. Is that now even. High end restaurants. Are having trouble. Getting customers. And the customers who do come and picking and choosing what they order where in the past they might not have paid that much attention that. I saw a story in the Dallas morning news. About how much troubled the restaurant doors are hammering. Getting people served by any of I profit things. One restaurant tour has found -- 30% decline in desserts."

" And you thought they because appetizers desserts and alcohol that's what I call the Bermuda Triangle your restaurant bill. Because their main entrees and main course at a restaurant usually has a much smaller market out. There and the other items. So I think it's like a trend that we're gonna see. Restaurants offering the equivalent. They admit and high priced restaurants. The value meals. Where you get a combo and it's taking a page from the only part of the restaurant business is doing well right now -- the fast foods. Fast food restaurant tourists are doing very well. And I think it's because of the fact that people safe are looking for a deal. Is -- pinch and I was. When my wife and -- are trying to decide where to go there were two competing chains that both and it."

" 29 dollar coin cases the three course meal we -- the other place -- a four course meal that was an appetizer salad in on trade and the desserts. For the same 29 dollars. That is so the opportunity to save is so good Smith from my daughter's birthday. They're my wife and I figure out to dinner I sat down we've -- computer and we looked at all that's. Three course meal -- against and then she picked the restaurant and a -- made the reservation for. 400 birthday dinner. So. And her that was completely normal says -- had the lives when your whole life so my daughter completely knew that that was part of the deal. Civilians stuck with me is the -- that we're gonna take -- out for a nice dinner but had to be a bargain. -- put us on the Clark Howard Show. -- Are you doing."

" Hello I'm doing marvelous Clark ever --"

" Great you have something forming that is the sign of the times."

" The economy that we are in today. What is this you -- steroid mean you're the first person is ever tell me about this."

" How well Clark got drive the truck into -- truck eight hours today and I hadn't heard you talk about this. What sort of -- we want the wives came in last night. Thank you got all -- day. You come into a credit counseling. It is -- lady news it is a -- Since paying for credit counseling. Stand she gets some sort of credit or something if she brings in six people every thirty days."

" So you're telling me that there is a multi -- Level marketing organization. From credit counseling."

" That is what it sounded like to me from everything my wife told me on what she got yesterday's."

" You're Weis would -- pay you to join -- and then make money on getting six other people to join. And enable CBS."

" Join thirty days you don't bring in six."

" Right so the people he she brings into these people. Were in credit trouble are these people go out and sell credit counseling services to people who were in trouble."

" From what I understand -- supposed to meet people who need credit counseling."

" The film this for this this person to approach your wife says. -- know that -- in financial trouble do I have a deal for you."

" It's -- that she couldn't have picked the wrong person either we'll because we make. You look like to spend thrift Harry yeah."

" You may -- cheaper than I. And I could ever be."

" Or else I. -- He didn't know. You know we're proud I was -- that we have a lower mortgage. Rates and we don't carry any credit cards. Stand our newest cars eleven years old -- and everything else is taking or."

" So then I'm trying to understand what's in it for your wife getting involved in this."

" Because."

" Those shoot like I'd never heard of such -- US from the Clark. Thank you heard that not only allies about what loved call -- I don't know if there's someone out there doing --"

" Well I'm stunned that there's a multi level marketing for credit counseling for god is there is it's the association of legitimate. -- credit counselors nonprofits. -- if you're a regular season heard me talk about the national foundation credit counseling. It is free for some you go -- for credit counseling. I don't understand how they could be any business model where people can make money as a commissioned salesperson. Selling credit counseling services. And -- maybe I'll get this mystery will be opened up for me by others calling to try to explain this to me. Breadth and this is certainly not something I would recommend your wife get involved."

" no no no no doubt she will try and -- Does not collapse it is."

" Well thank you for sharing this story because I love it Lynn Quincy may become part of our team and shares a new wrinkle witness and that when it is a brand new and congratulations to you when your wife. For being so -- steam with a dollar. And Wesley is whether it's on the Clark Harris shown less sleep seating of the credit crunch and you've got a story to share too don't you."

" I did I do and there's a financial institution there alone and my Brothers and money. And apparently -- my name down and my -- I don't record visited the contact members."

" I don't usually if you think about any time you've applied for credit. There will usually be something on there that says nearest relatives not living with you. And so bad it is used. Banks so that if somebody's not paying so they can harass. -- relatives. Of the person not --"

" Wouldn't it definitely happening and he and with a builder gave it an ounce and that is and we can't get in touch with and it's either."

" We told -- that they like you write your -- relatives and."

" So. The question I have for you. Collector in order to be able to talk to you about your brother step. Has to be an actual employee of the bank not from a third party collection agency. Is the collector calling. From the bank itself. Now thanks won a special. Bond exemption. And congress acts. That allows them to use any tactic to collective debt if they try to collected in house in other words not turning over -- third party collector. Except I'm. Physically harming someone -- making a terroristic threat against someone. There are allowed to do anything else as long as it doesn't fall into the category still violating local or state laws on harassment."

" Hello there calling. Several times and minds and leave -- I named in February. A different city had a completely un member and they holiday."

" Oh yeah --"

" The question that may be -- so. Yeah and they -- Are they are in plain sight the good news that you're not running from anybody or not hiding from them your brother is it's so he's made himself scarce why. So what they're trying to do you win this is quite common tactic of the banks is they're trying to use shame. And embarrassment this. -- by -- somebody to come out of the woodwork and pay a bill. -- as embarrassing them with a mom or dad or brother sister and her or even a child calling a child in. Renting out a parent and pay your bills right now. Let me tell you won't end with the bank does the -- illegal. If you say to the bank dealing a string machine."

" Good you have more -- else."

" That's not good news within answering machine you can call -- also easy because answering machine you can record -- conversation."

" Unita recording a review. Telling the knicks and the bank calls. You say that they are harassing you than they are not to call you again as they call you again as permitted under you tell whatever state you live and then -- you'll file charges against him for harassment. And that -- say that they are not content to further and you tell them this call was being recorded. So that I can take action against you if you call again. And so if you could have no legal obligation. To talk to announce they have until you tell them. Did any further contact team is harassment they can call you over and over again."

" Hundreds and then yeah. Here that did not quite as sunlight the Diamondbacks beat that he told them that it's given a brief argued that again demonstrated the -- class but off."

" Well you did your sister recorded no I see you gotta get Saddam levels -- to that point it's just hearsay."

" Then I think you're going all the way back to the call and I had earlier this hour with the person's home equity line had been frozen. Anywhere in -- time right now where the banks are terrified. The lead story in today's Wall Street Journal Isabel. Credit cards stand how the credit. Card companies are suddenly saying. Giant increase. In the number of people who are not paying their credit card bills. And it even refer some headline plastics uncertain future. Rising defaults weigh on earnings and it goes on to talk about how the banks are just getting hit from every direction you know we're in this together. The banks -- foolish loans all over the place. And we foolishly said it will take the money. And so it's it's a mess."

" Today they can take -- after -- credit had no food no."

" Let me hardware on the -- and then Clark Howard playing an -- completed -- We don't -- credit cards we you know we only -- health."

" They can't do anything new unless you were co signer for your Brothers credit. So you've got nothing to France."

" Even though -- on into the -- element."

" Well he elite do you think back if you ever sell out paperwork and have banked right -- always -- that information. One other thing to bed I don't know if you heard me mentioned recently wrestling with any company you do business with. Do not list your cell phone number is your point of contact unless you just gotta gotta gotta. Because this company is allowed to sell. Your cellphone number. -- marketeers for just about anything and people learn the larger and larger numbers starting their realize. If they're getting these calls from solicitors and then they're paying for. Because you're paying for your cell phone minutes and so if you don't have a home phone anymore it's."

" Set up one of those phone numbers you can with the -- the Internet phone companies and many times those are free. And you can give that as the number will come attached to a voicemail. Instead of giving your cell phone number -- get my work number eight. Anything other than your cellphone number as a point of contact. It's 48 after the hour you're listening to the Clark."

" Okay. --"

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