Well I dont talk to any of them, but some that leave me messages are sooooo nice. I did actually call one back and got his voicemail. I told him I understand he has to do what he has to do, but I got no more money and I'm in black hole.
I told him the only reason I called him back at all was to tell him that he was so unbeliveable sincere and really seemed to care about my account. He was a true saint and gentlemen to be soooo nice. And I know how difficult a job like he has is, but I thanked him for his kindness.
I started to cry and then hung up...
I have another guy right now from BofA..that is just as nice.
So yes you are out there and are appreciated at least by me....
For for that you have my thanks...
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Message from a debt collector and debtor
I'd just like to clear a few things up. 1st all collectors are not morons, althought after being screamed at sworn at called every name in the book for 8 hours straight I do sometimes feel a few brain cells lighter. I want to help some of the people here b/c honestly as both someone who has debts of my own, and a debt collector, I really do know a few things about this. 1st I hear plenty of people here complaining about how they are spoken to by D.C.'s Well honestly you get what you give. If someone calls you and starts telling you why they are calling and you inturrupt and say I know and I've told you people 50 times I'm not paying this so stop f-ing calling me blah blah blah so on and so fourth. OK 1st we CAN NOT stop calling you ohhhhh I wish we could but we cant not just because you say you want us to. I don't know how many people a day I tell to send me a cease and desist letter, which is a letter,basically saying in writing, to stop calling you(which does work once received we can call you once more to tell you we got it, and then not again). I probably tell 50 people a week to send this letter, I get MAYBE 3 a month. Honestly! If you dont intend on paying this...ever... just send the damn letter! It'll save us both alot of headaches! However, if you do plan on paying your debt at some point but dont have the $ today and dont want to receive 20 calls a day, all you need to do is (with out being rude please!) explain you're situation. You dont need to make up some crazy story or have some detailed excuse all you need to do is tell the truth. "Listen I'm (insert reason you cant pay right now here) hopefully within a month or so Ill be able to pay something (even if you know it'll be longer than a month its fine really) Just please dont give an exact date that you'll be paying if you know its not the case, dont say yeah Ill pay that Fri call back I'll give you my checking acct all that'll do is increase your calls fri when we are calling you every 10 min to make your supposed pymt, and when we dont get aholda you back on the dialer and back to 20 calls a day you go. If you politlely tell the person you speak to that you intend to pay this but not sure of exact day you'll notice you only get 1 call per wk rather than 20 a day. A big thing I dont think people understand is that until we have contact w/ you the debtor we can (and probably will)call as many times a day as it takes until we get contact. We then note the account that we spoke w/ you and depending on what you said we wont call you for the next 1-6 days. Also IF you are very rude I know lots of collectors who will put on an acct that there was no contact so that person will continue to recieve calls, So maybe try being nice, ALSO saying someone wont be home until 2 am(true or not) will not stop calls b/c as stated before until contact w/ the debtor is made we will continue to call so I hope this was helpfull to someone. The main thing is to be nice it gets you so much more. Now that I do collections I hardly get any calls (cuz i know how to do it) and when i do get my weekly calls Im polite their polite its quick painless and clear for another week.
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