What Kind Of Person Becomes A Debt Collector

[backtoschool]

Well I'm a collector and no I don't make 100 k a yr only about half that but also, it's called a job. And just as you probably do, you do what you got to do to feed your kids and keep a roof over their head. I'm not one of those crazy collectors but a job is a job, you do what you're trained or you get fired.

I agree that people need to feed their kids and keep a roof over their heads. If you are respectful to the people you are calling, then it is a relatively unpleasant job, but one that pays your bills, enough said.

But many bill collectors are cruel. And I can't imagine why a person needs to be cruel to keep a roof over their heads. I suppose guards in a prisoner camp who torture people just need to keep a roof over their heads too, that is why they are guards. But did they need to torture people? I don't think so.

It's the collectors that are deliberately cruel and nasty that have no right to use the excuse that it is "just a job". I am not saying that this is you.

Just my opinion.....

[leena]

Well I'm a collector and no I don't make 100 k a yr only about half that but also, it's called a job. And just as you probably do, you do what you got to do to feed your kids and keep a roof over their head. I'm not one of those crazy collectors but a job is a job, you do what you're trained or you get fired.

Wow, they let you be a collector with credit issues/BK? Even back several years ago, collections was one of those fields where you had to have a sterling credit rating. The explanation for it was generally that you had access to change information about your credit and also that if you owed unpaid debts yourself your heart would not be in collections.

I am not criticizing, I am just surprised!

[MiSSMaGoo]

I understand. And please know that I don't mean it against you personally. I just have a lot of issues with the tactics third party debt collectors use.

I'd be interested to know what they teach y'all in debt collector school. Can you share with me or point me to some place on line I can learn more about their training?

Thanks.

Thanks for that. Well in training they tell you to try and find out why someones acct went past due in the first place and then of course always try to lock down a payment or get them in hardship program to avoid anymore interest or fee's. But the training not anything all crazy just normal stuff showing you how to work the computer program they use. And last above quote, yes NCO is crazy crazy. lol The best advice I can give is answer and tell them look you won't get a payment from me til a few months. Avoiding them all that does is put tons of notes on your account of that you're doing that.And then when you get the A-hole associate they're probably that much more of a jerk. Yeah but I dont understand why some associates are such jerks, those are the one that haven't got a pay-by-phone and they're desperate. I'm always nice and one of the top associates w my company. Anytime you're mis-treated by someone on the phone, tell them you want their supervisor and you're recording their call and should hopefully chill them out.

[LuciluS]

I understand. And please know that I don't mean it against you personally. I just have a lot of issues with the tactics third party debt collectors use.
I'd be interested to know what they teach y'all in debt collector school. Can you share with me or point me to some place on line I can learn more about their training?

Thanks.

Me too! I had a female NCO collector call me. She cursed at me and told me she was going to put a lien on our home. I couldn't get her to shut up, until I told her to. I gave her our Attorney's name & phone # & she went off on me again. I, again, had to tell her to shut up & repeated our Attorney's name & Phone #. Then, I made her repeat the info I gave her to make sure she had it right. This was a CC Debt (Unsecured!).

Have a truck loan thru US Bank. Due on the 17th, but confirmed not late until after the 27th. Last month, a lady called me on the 27th & told me my payment had not made it to their Bank. As she was speaking, I pulled up my Bank Account info & it showed it cleared that day. I told her it was paid as an EFT thru our Bill Pay. She proceeded to tell me that US Bank didn't use EFTs. I wished I had recorded the phone conversation as she lied. US Bank is a big bank & yes, they accept EFTs. Checked the next day & loan payment was shown as being made on the 27th by US Bank's website.

[MSbklawyer]

Well I'm a collector and no I don't make 100 k a yr only about half that but also, it's called a job. And just as you probably do, you do what you got to do to feed your kids and keep a roof over their head. I'm not one of those crazy collectors but a job is a job, you do what you're trained or you get fired.

I understand. And please know that I don't mean it against you personally. I just have a lot of issues with the tactics third party debt collectors use.

I'd be interested to know what they teach y'all in debt collector school. Can you share with me or point me to some place on line I can learn more about their training?

Thanks.

[nc73]

Yup my sister in law is a debt collector. She's pretty good at it. Again at the end of the day it's just a job for them. Don't take it personal.

[MiSSMaGoo]

Where do these people come from? What kind of person decides: OK, I LIKE calling people on the phone and making their lives miserable, so I am going to become a DEBT COLLECTOR!!! I mean, if it paid $100,000 a year, I could understand their motivation, but it doesn't.

Has any child ever sat on his father's knee and said: "Know what I wanna be when I grow up Daddy?!?! A debt collector!!!

I know that they are people too, and that they have their own bills to pay . . .

But Jesus, I was in debt once too and it is SOOO satisfactory to me to discharge their shylock as***.

Well I'm a collector and no I don't make 100 k a yr only about half that but also, it's called a job. And just as you probably do, you do what you got to do to feed your kids and keep a roof over their head. I'm not one of those crazy collectors but a job is a job, you do what you're trained or you get fired.

[MSbklawyer]

If you have a family to feed and this is the only option ... prolly also people that just like to argue are drawn to it

I think they're cut from the same cloth that a lot of prision guards come from. They enjoy having power and control over people who are at their mercy.

[proto]

If you have a family to feed and this is the only option ... prolly also people that just like to argue are drawn to it

[whyme]

We'll certainly try, but remember what we discussed.

And btw, you look nothing like your avatar.

LOL! Paul Walker is my celebrity crush!!

[MSbklawyer]

Seriously? Could you make one of mine go away? Remember I told you about that Couch, Stillman, Blitt and Conville lawfirm that was calling me? I'm freakin' losing sleep over them!

We'll certainly try, but remember what we discussed.

And btw, you look nothing like your avatar.

[whyme]

No, last time I checked I hadn't received a job application from you. We can agree on that much.

I'm not trying to be ugly about this, but when you hold yourself out as knowing something about bankruptcy and then say something like:

"BK Lawyers do not negotiate with your creditors to settle debt or lower interest when you retain them to file bankruptcy."

You're giving out misinformation.

It would be GROSS malpractice for a lawyer to put an individual into a bankruptcy without exploring the non-bankruptcy options first.

Admitted, most of the times there AREN'T any non-bankruptcy options. But you can't make a blanket statement like that and hold yourself out as being some kind of authority on bankruptcy law.

I can't tell you how many clients I have had with tens of thousands of dollars of credit card debt that I have simply called the credit card lawyer and offered a $500 settlement and made it go away. Thus avoiding a bankruptcy on their credit report.

I'll sum it up with this: If you pay a bankruptcy lawyer because of your debt problems and he doesn't explore getting you out of debt without bankruptcy, you haven't gotten your money's worth.

Flamingo's testimony to the contrary notwithstanding.

Seriously? Could you make one of mine go away? Remember I told you about that Couch, Stillman, Blitt and Conville lawfirm that was calling me? I'm freakin' losing sleep over them!

[BassBoy]

Funny reply

...I would tell my mama that I was working as the mop man down at the adult theater so that she would not be ashamed of what I did for a living.

I don't mean to laugh, but that was funny. ROTFL!

[MSbklawyer]

I am a Collector for a Credit Union.

I am sorry to hear that. I wouldn't let it be widely known.

If I had to take a job as a debt collector or let my family starve, I guess I would take it. But I would tell my mama that I was working as the mop man down at the adult theater so that she would not be ashamed of what I did for a living.

[StartingOver08]

[QUOTE=adviceplease;328465]

The girl told me "Watch your expenses and get a second job". What?

My car lender told me to give the car back because I obviously can't afford it, or maybe I should call United Way and see if they can help. Huh? I am going to ask them to take money from people that really need it to survive to pay my car? I was just taken off guard because it was 25 days late and I had already paid 80% of what it was owned on it by this point.

This is when they become really nasty and aggressive ...when you are nearly paid off and if they repo the car they will actually make money rather than lose money. The less you owe, the more aggressive the collectors seem to be. JMO.