Internet's first get-out-of-debt community - 135,000 members

SIMPLE RULES TO HELP BOTH THE COLLECTORS (that don't get paid well enough to deal with the verbal abuse that some of you debt accumilators dish.)

& THE ONES ON THE "RUN" 1- *Be honest cause at the same time debt collectors are trying to collect a debt they are also trying to help you figure the best way to pay it off.

If the Card holder does live in the residence give the information asked they are not asking questions that Bin Laden can use to blow you up while sitting on your porch enjoying the beer you bought with your overused, underpaid cc.

the ones that say "Don't speak English" don't insult the intelligence of the debt collector, They KNOW you must know some english. How do yougo to the store, buy stuff or do you just stay in your home all day and speak "no English" Cn't be true cause you're spending Money or else you would'nt be getting cards.

How did you fill out the application to get the credit card!?!?!

The best are the People who get their Children to answer the phone FOR them and They're Kids sound like they're no older than 10 and the debt collector politely asks to speak to an ADULT and the kids say they re not home( So does this mean parents are leaving kids Underage by themselves!?!? If so give your head a shake cause who knows one of those debt collectors could think that and call social services. Also most of the time the debtcollectors can hear the disgraced parents in the background coaching the kid on what to say or abruptly hang up. meaning the # DIDN'T GET VERIFIED, IT WASNT HONESTLEY ESTABLISHED THAT THE CARD HOLDER LIVES THER OR CAN GET A DIFFERENT # TO GET INTO CONTACT, iF THEY ASK FOR A FIRST NAME, GIVE IT TO THEM WHAT CAN THEYDO WITH A FIRST NAME!?!?! If you give them these simple answers your number will be tooken out of the AUTOMATIC DIALER meaning these people don't pick to call you a MACHINE does so WHY are YOU RUDE to the person just trying to earn a living, They have debt and bills to pay just like you, Its called common Courtesy. Anyways I want to thank the good people at GC services that helped me to CUre my account(s) and get rid of my debt. The Account Reps there were most helpful and polite.

Guest · Posted: Thu Aug 24, 2006 6:00 am Subject:

"How did you fill out the application to get the credit card!?!?!" - Thats one of the questions some of us are trying to figure out When you never had the credit card they are harrassing you to pay.

"COLLECTORS (that don't get paid well enough to deal with the verbal abuse" - The people who dont owe money yet have the collectors call constantly, harrass us, f**k up our credit report, and lie like criminals dont get paid enough either. In fact, it costs US money and plenty of time to fix the collectors screw ups.
They shouldnt be paid at all for fraud.

If someone owes a bill its THEIR responsibility and not the next guy whos name sounds the same or whos SS# is close enough or has a phone number that used to be the debetors.

guest 2 · Posted: Thu Aug 24, 2006 6:28 am Subject:

kannibis kid....what is your point?

Guest · Posted: Thu Aug 24, 2006 7:05 am Subject:

"iF THEY ASK FOR A FIRST NAME, GIVE IT TO THEM WHAT CAN THEYDO WITH A FIRST NAME!?!?!"

If they can destroy your credit with having absolutely nothing from you, not even a legit bill or debt - a first name is helping them out in their information search.

Posted: Thu Aug 24, 2006 7:19 am Subject:

marlee j. · Posted: Thu Aug 24, 2006 5:57 pm Subject:

Ouch tammy ... ouch ... i try to help, heck this is 8 hours out of my day i could spend doing something a little less taxing than trying to explain to a person in massachusetts that i can't disclose any info because of the state laws, i could have chosen an easier job, after all, i am qualified to speak 2 other languages aside from english, and i did travel most of the world before my 21st birthday, but i chose (since i racked up so much debt you would believe) to help people, because people helped me.
plus its unfair to make people like some of the debtors i come across pay all that interest accumulated, a lot of people were screwed over one way or another that they couldn't keep their payments to date.
other than that, some people do this knowingly, and then refuse because they think they know the law, and after 7 years we can't collect... amazing, a debt will follow you through life, the best thing to do is settle it off before it becomes absurd.
some collectors are more than willing to work with you, you just need to hunt them out.

Posted: Thu Aug 24, 2006 6:38 pm Subject:

I didn't mean to offend you. I was just saying the ones I have dealt with would not accept any type of payment arrangement. I wasn't as lucky as some who got good collectors that understand problems arise. I know there are a few good ones out there, but they are few and far between.

Posted: Fri Aug 25, 2006 7:27 am Subject:

Lucky for me--the ones that I am currently dealing with, are VERY GOOD!!!! amazing that one is even on Bud Hibbs list as one of the worst collection agencies---yet they have been really good to me. Well, I take that back, I am dealing with one--OXFORD that is a pain in my you-know-what!!! I put them on my debt management program and am about to make my 5th payment to them. I still don't know if they've accepted me on the program or just milking my payments for now and may still take me to court later. they refuse to answer any of my letters, and my request to start sending me a statement every month showing that my payments are being applied. PLUS they are REAL buttheads about calling. they will call five plus times a day AFTER I have sent them several letters and faxes telling them TO STOP CALLING ME!!!!!!! are they stupid!? This has been going on for over six months and even after getting my payments every month, they still keep calling!!!! (I thought that would shut them up). If there is a problem with my payment or the amount thereof, they are suppose to contact my debt consolidation group. HOW COME When we write these people, THEY NEVER ANSWER?????? I'm talking several letters, but never a response. never. I guess that would have to be my biggest question---if you're trying to do right and trying to take care of your business, why don't they respond to you when you write with problems and questions? they don't like it when we ignore them...yet when the tables are turned, some of them do the same thing?

Posted: Fri Aug 25, 2006 8:47 am Subject:

I can see where KannibisKid is coming from, this was the downside of collecting that I had to deal with. I know it doesn't apply to any of you, but it does indeed apply to the ones who are guilty of the dishonest acts he is describing.

KannibisKid, I can appreciate your situation, I've been there myself, but you're washing your dirty laundry in the wrong forum. This isn't "Crooks R Us" it's debt consolidation care. Since you're apparently one of the more honest collectors, why don't you stick around and lend us your view. Constructively, of course.

Posted: Fri Aug 25, 2006 9:38 am Subject:

Posted: Fri Aug 25, 2006 9:43 am Subject:

Thanks, Liz. I have tellyou, sometimes I see frustrated good collectors coming in to vent and throw their weight around, but unfortunately they've found the wrong audience and they come across as bashers. It's up to me to straighten things out when this happens. The bad collectors that do indeed come here to bash can just get bent.

Posted: Fri Aug 25, 2006 10:21 am Subject:

Nothing like an "ex-collector" being on OUR side!!!
Thanks Ari!

Guest · Posted: Fri Aug 25, 2006 1:52 pm Subject:

Yeah it really does suck when people just plain dont want to pay their bills. If thats the case, I say go for it to the collectors... just make sure its the right person lol.

Posted: Fri Aug 25, 2006 1:58 pm Subject:

Got a call today from a 'NCO Financial System'....on my PRIVATE LINE!!!!!!!!! nothing makes me madder than when they call on my PRIVATE line. I wonder how they are able to get a private number that is not passed out except to close friends and family. I looked them up on the web and sent them an email telling that to STOP CALLING. I sent it to them like five times. I also informed them that I will be mailing them a letter out tomorrow as well. I have NO idea what this is about. I haven't heard anything from them until the call today. I answered the phone but the lady refused to tell me who she was, because it was a private matter between them and my husband. She did give me a number so I called it back. they answered, NCO financial systems. Googled them and came up with their webpage. thats how I got their email and address. ha! the lady sounded DRUNK.

Posted: Fri Aug 25, 2006 4:22 pm Subject:

Your very welcome Liz!

Shirley, your private phone number could have been found on your credit report when NCO viewed. I know how much this gets your goat. Hang in there!

Posted: Fri Aug 25, 2006 4:28 pm Subject:

Shirley,NCO is another CA-I had one good experience with this one guy,worked out payments,no problem. Then,later,on my sons account I got a rea dip-stick-refused to quit yelling.I told him I would set up payments,but he is on disability,so could he please work with me-he yelled some more and I hung up-Good Luck-do all correspondence in writing! Very Happy

...Karen

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