L.L. Bean,the world-famous outdoor retailer known for high-quality,American made outdoor clothing and gear,opened their third Chicagoland location earlier this month in Oak Brook,IL near temporary housing and business apartments. The retailer held a 3-day grand opening in Oak Brook and featured great deals,food,drinks and fun for the whole family.

At a whopping 17,500 square feet,the new L.L. Bean location will cater to those who lead a more active lifestyle and will feature many of their best-selling products like snow boots,winter parkas and heavy-duty wool socks. This is L.L. Bean’s 41st brick and mortar location in the United States,and it is estimated that nearly 70 jobs will be created with the opening of the store.

“DuPage County features 600 acres of lakes,47 miles of rivers and streams,and more than 450 miles of trails,so there’s not only an abundance of outdoor recreational opportunities,but a population base that regularly takes advantage of them,” said Ken Kacere,Senior Vice-President and General Manager of Retail. “We look forward to infusing a bit of the Maine essence and L.L.Bean brand into the area and empowering folks to get outdoors with great equipment,apparel and outdoor expertise.”

Residents who live in the area’s corporate housing have the outdoor discovery program to look forward at this L.L. Bean location,officials say. Demonstrations and clinics for outdoor activities such as snowshoeing,kayaking,stand-up paddleboarding,archery and fly casting will allow Oak Brook and Chicagoland residents to get some insider knowledge about hobbies they may not have ever discovered if it weren’t for L.L. Bean.

The new store is located at the Oakbrook Center,100 Oakbrook Center,in Oak Brook,IL,and hours will vary depending on the day.

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Negotiating your debts with creditors sounds like a scary activity,but it is actually much easier than you may think. However,going into the negotiation unprepared is likely to lead to frustration and disappointment. If you are considering debt negotiations,you should know a few simple tricks to help you maximize your chances at winning the deal you need.

Prepare Yourself

The first thing you should do before contacting your creditors to discuss a possible debt deal is take a look at your finances. It is important that you know the severity of your financial hardship and how much help you need from the creditor. Take a look at your budget and evaluate your goals for debt negotiation. If you are looking for a lower payment each month,you will need to know how much you can afford to pay. Depending on how low you need your payments to be,you may want to ask for a reduced interest rate. If that strategy won’t lower your payments enough,consider asking for a settlement or reduction in the overall amount you owe. If time is what you need,consider asking for a suspension in payments. However,you should have an idea of how long you need before payments can resume. For example,request a six month forbearance if you are expecting to gain more income or get a job in the next few months.

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Persist and Be Patient

Debt negotiation takes both time and patience. Most creditors are stubborn and may not appear willing to approve a deal at first. Be persistent and offer to provide your creditor with documentation proving your financial hardship. You may need to provide copies of a paycheck stub,or paperwork demonstrating your unemployment status. Further,remember that creditors are not required to agree to a deal,which means that your cooperation and honesty is of utmost importance. In many cases,creditors are more open to negotiating before you miss a payment,when you have an idea of what you need or even if you offer to set up an automatic payment each month for the amount you can afford to pay.

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Find Representation

If you are experiencing continued trouble with your debt negotiations,consider hiring a third party to help. You can call upon a debt negotiation company to mediate your negotiation,but they may meet equal resistance from a creditor. Debt negotiation lawyers are another source of representation that may be more effective as they hold the legal clout to be more persuasive.

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