So I listen to a lot of Coast to Coast AM in the middle of the night, which in my area is broadcast on "Hot Talk 560 KSFO." As is the case with all
of their programming, the show seems to be supported by an awful lot of BS commercials for things that sound downright fraudulent.
One interesting commonality I've noticed in several ads from different companies purporting to offer debt counseling and relief or help with tax
problems is that they specifically solicit business from listeners whose liabilities are at least ten thousand dollars, promising information about
"secret programs" or laws which will allow them to legally negotiate with the IRS or credit card companies and settle their debts for much less than
Naturally, this is just disingenuous wording on the part of the advertisers. Of course it's legal for you to enter into negotiations with any entity
to which you owe money! That doesn't mean they have to accept your proposed terms, but I hardly think this is a secret which creditors and the IRS
want to prevent anybody from learning.
If asked to choose between selling a debt to a collection agency at a huge loss or getting a cardholder to agree to a payment plan and thus have a
greater likelihood of recovering a larger amount of money, what bank wouldn't choose the latter?
The ads, of course, imply --without specifically saying so-- that if one does business with the advertiser, the banks or IRS can somehow be forced
against their will --thanks to these "secret programs"-- to dismiss debt without one having to declare bankruptcy.
Which is complete hogwash.
My question is this: Why do all these ads always, always, mention that magical $10,000 figure? Presumably there's a reason they can make more money
off a sucker whose debt is larger, perhaps by basing their fees on a percentage of what is owed?
I can't imagine any actual law stipulating that if you've squandered $10,000 you don't have, you will somehow enjoy special protections or recourse
not available to your neighbor who's only spent $9,999 of somebody else's money. Such regulations would tend to encourage financially challenged
people to incur even more debt than they would have otherwise taken upon themselves.
The stupidity of the ads on KSFO ("Hot Talk" 560AM) fascinates and sickens me*
. This is especially true because they play the same damned ads
over and over again, day in and day out.
Here's one especially peculiar example. The commercials for these bozos right here...
...promise that in most cases, they'll show you immediate results right there in the doctor's office.
Their business is helping men with premature ejaculation and erectile dysfunction.
Are they telling guys that they'll be sportin' full wood right there in the doctor's office? That they'll be sportin' wood for a good, long
while, long enough to satisfy a woman prior to passing the point of no return?
Unless they've got some very sexy nurses who take a real "hands-on" approach, I'm gonna say I'd just as soon wait 'til I get home to experience
those immediate results.
Another ad they run all the time is for some snake-oil called "Ever-Cleanse," which promises to shrink your waist and remove those "pounds you
can't get rid of through diet or exercise" by flushing from your colon the "impacted" human waste which "some experts say" is lining the walls
of your colon "like spackle or paste."
Like spackle or paste.
"Some experts say?"
"We can cite no credible research to substantiate our claims."
Oh, the dumbness and sleaze of it all! I guess it's hard to be dignified when you know the product you're pushing has no intrinsic value.
As opposed to the bulk of the station's programming, which angers and sickens me.