Message from a debt collector and debtor

[relief13035]

Thanks - it took long enough. Patience is a virtue.....LOL

[fltoo]

I hear ya!

Just saw your discharge, congrats.

[relief13035]

OMG Relief, LOL, I thought I was the only one that went through a box of depends reading this forum!!! It's hell getting old.

And I'm really not that old........but this forum makes me laugh so hard sometimes that I feel like I'm gonna pee my pants.

[fltoo]

I LOVE THIS FORUM.....I'm going to need depends soon if I keep reading.

OMG Relief, LOL, I thought I was the only one that went through a box of depends reading this forum!!! It's hell getting old.

[SOYFSB]

Ok Bigboy maybe you're not getting what I am saying as far as the # of calls go. As I stated AND as your little notice stated ONCE CONTACT IS MADE which is what I was saying. BUT if you dont answer your phone they will keep calling. Or if you answer and I say hi can I speak to so and so and the person who anwers say no and hangs up or says they arent here and hangs up, where I work that is not considered contact w/ the debtor and so yes UNTIL CONTACT W/ THE DEBTOR IS MADE WE WOULD KEEP CALLING. Contact is the key word here ok? Im not talking about getting ahold of the debtor and still calling, Im talking about people who see a # on thier caller ID and dont pick up and saying to them, if they did they'd probably get many fewer calls As far as the C+D ok so? I was going by what I was told but reguardless the point is the same if you send one we wont call you any more. You want to argue semantics go ahead I dont really care what some old redneck has to say lol. You've got it all figured out and you dont need any advice from me. I wasnt trying to help you I dont need to. You already know everything right? I had been reading some posts from others before I wrote my 1st post and thought it may be helpfull to someone. Thats all. But really Im actually not gunna respond to you any more cause I spend all day arguing w/ people just like you and thats not why I came here. I came to possibly help someone out since YOU dont need help from me I dont see the point in you continuing to write to me. I know you think you're helping my poor dumb ass but ummm yea not so much youre really just showing what kinda person you are.

[relief13035]

I LOVE THIS FORUM.....I'm going to need depends soon if I keep reading.

[albacore44]

are you writing from India ??

[fltoo]

Sticks and stones baby. Best way to deal with a name caller is to ignore them.

[SOYFSB]

Ok you're all right I'm a scum bag not trying to help any one and none of you are people who get off by treating people like shit. I dont really care if you've had a DC treat you like shit. So? I've had waitresses treat me like shit doesnt mean I'm a ***** as soon as I walk into a restraunt just assuming that every waitress will. And yes I'm a collector but I also owe money to CA's pretty much every one does what makes you different from me? Oh I know I respect people reguardless and you dont. you think you're so much better than me? I dont. Oh and Big boy 2u I wasnt saying you should be nice to every collector, if they are rude go for it rip into em I do! I was saying you get what you give, people like you think you know everything and you're on some power trip um ok I deal w/ people like you all day you dont hurt my feelings. I was trying to give people some tips to help them out trust me, I realize no matter what I write there are always gunna be people like you who get off on putting people down, here, on the phone and in the real world and thats fine buddy whatever floats ur boat. I know I'll never get people like you to be nice to me and Im fine w/ that. And junker I think you misunderstood what I wrote. I did not say they will put a note saying the debter was rude, our accts are audited monthly and I dont think an auditor would think "D is a witch" in the notes would be looked upon too kindly. I said some collectors if they speak to some one rude will put a code for "no contact" which means that person will receive more calls sooner rather than later. Oh and Big boy I dont know when or where you did collections but what I wrote is accurate to the company I work for, we can call a # as many times as it takes to make contact w/ the debtor, and when we get a C+D lttr we call once more to inform that its been received. And to your other comment yeah um Im belittled and lied to like 50 times daily so...yea. OH I forgot I deserve it right cuz Im less of a person then you because of what I do for a living OK.

[junker]

wow, i almost heard violins playing when i read the op.. such a sob story...you said it all, getting 20 calls a day, if some one tells you they dont have the money or cant pay at all, WHY keep calling and harrassing..you said you need to make contact. well why call after you make contact.. you said collectors make notes about rudeness, and call more often.. WHY...just to irritate someone who is obviously having problems.. just to make them worse??....gimmee a break... its just a game with ca,s just as its a game with me trying to irritate ca,s WHY do you freeze bank accounts when you KNOW very well the money is exempt?? WHY...put someone through the needless stress of trying to unfreeze exempt funds WHY??? YOUR JOB is purely to irritate....its not even about collecting money... just to irritate people...

[Bell30656]

No matter what that collection agent said up there at the top, when my number comes up on your auto-dialer you are better off going to the next number. I confess that I treat collection agents like the bottom feeding scumbags that they are. I record every call at least half of the time these idiots can be goaded into a violation of the FDCPA.

My favorite are those that have the sense of urgency... "You MUST handle this debt before 5:00 PM TODAY. Let me have your Visa number and I'll take care of it for you..." Yeah right. Not going to happen. The only thing that happens at 5:01 PM is the collector clocks out and goes home.

I'd rather tell people that I had a sister working in a brothel than a brother working as a debt collector. Debt collectors are scum no matter what they tell you. Fortunately there are state laws in addition to the FDCPA that stop the agents from calling multiple times per day once they have made contact and verified that it is the debtor.

End result was that I filed chapter 7 and now I don't owe the scumbags anything. However, I find I miss the phone calls. They were so entertaining.

[BigJohn]

Dateline tonight was devoted to the debt collection issue. Some of the collectors filmed and reported were posing as police investigators. As bad as some of the collectors were, they still were in business. I guess crime pays, at least in the US.

[BigJohn]

There are some collectors that do go overboard. Those people give the industry a bad name. As long as the collection business allows these people to be employed as collectors, then the collection business has to accept responsibility.

[SOYFSB]

I know there are some people who are really nice to us when we call and to those of you that are thank you...really b/c its why I do the job. I used to do customer service but really those jobs are hard to find now as they are mostly outsourced to other countries, so I kinda just fell into a bill collecting job. I'm one of the "nice collectors" people I call, if they do want to pay always say I want your extension I dont want to talk to one of the mean people, but the thing is nice collectors arent that uncommon. Its all in how you treat some one I think and that goes for both parties. Oh and I wanted to clarify something about my prev post, when I wrote about how to get 1 call per week that per agency of course lol. If you have 20 accts you'll still get 20 calls but its better than 20/daily!!!

[fltoo]

I took calls for two years and was always polite. Had maybe one person who was aggressive. The collectors called once a week because I spoke to them every week, telling them I was filing for BK.

I don't believe in calling anyone names especially "scum" which seems to be a favorite word around here.

I don't think people are nasty to collectors as much as arrogant. At first, they are nervous about the calls, but then become empowered when they obtain a lawyer and tend to start getting arrogant with the newfounded power.

Personally, I never felt empowered and did not even give them my lawyer's name until the day after I was actually filed. I still felt badly about telling them I was filing.