Why call them back?

Why should I call a CA/Debt buyer back? They claim they'll take action with or without me returning their call - yet they haven't done anything after 6 months.

The bottom line is, they are trying to get you to pay... they want to talk to you and for you to tell them when money will be in their hands.

When they leave messages, they want you to call them back; when you don't call them back, they leave more messages threating court, just to get you to call them back.

When you finally do call, now they want you to tell them you will pay. If they don't like your answer, out come the threats again, until you tell them what they want to hear.

Most of the time, they want to do this without going to court. They will leave a thousand messages, hoping one day you'll come into money and just decide to pay them.

When they deem that their only option is to sue you, then that is what they will do. Calling them every once in a while is usually a little better than ignoring it completely.

I went through this with another - I'm guessing the other was a CA and this is a Debt Buyer (M.R.S Associates). I talked to them and explained that there was no way for me to pay any of my debt - my sole income is SS and had no other assets.

They still continued to call, day in day out. They called and would tell me they were going to make a decision that day. "OK", I would say, "have a good day", and I'd hang up.

They'd call again and again and finally I just stopped answering the phone.

Finally they did give up, and the new CA/Db is calling. I suppose I could answer so that I could officially get their name and send a cease and desist order, but what's from stopping them from just selling it to the next CA/Db and restarting the process?

I have dealt with MRS associates before and they were extremely persistent. Thankfully, I was able to pay them off to get them to lay off.

The CA sells consumer debts to another debt collector because they were unable to get the money from you during collections. The other company purchased the account thinking that they will be able to recover the cost along with their profits. It is very important to keep checking your credit reports so that you know which company is reporting what? Collection entries lower the credit scores adversely. You must take care of all those entries that were not legitimate and have been reported fraudulently in your file. Don't let your credit scores go down because of wrong reporting by the collectors.

You could end up in court for not returning calls and refusing to pay your bills. It really depends on the amount of money you owe. If it is over 500 bucks I'd say chances are decent, if over 1000 chances are good and if over 1500 chances are excellent. Of course it's not a guarentee.

I think you should call them back. As you can see, the calls will not stop until you do. You have to know that. Especially if it has been 6 months, and they are still calling. What can they say to you that you are afraid to hear? The calls will not stop that is what a collection agency does. Or you might be on a dialer system, WHICH WILL NEVER STOP CALLING. Just call, even if to tell them not to call you.

You know it is very funny to me how everyone is playing the victim role. I mean, what, did you all think this was free money. I also hate the collection calls i get but unfortunately i put myself in that situation so i have to play the cards that are dealt to me until i become the dealer.

i think it is not so much as people feeling victimized, they are not being handled in a professional way and it is not fair. their are laws that require certian things and there is so much fraud going on, it is hard to just pay money to anyone, or to even talk to someone about your personal bus. without validation.

Pooh -

Good evening -

you seem to be very interested in the posts on the forums. Is there a reason why you are intent on attacking everyone who posts, by saying they are playing victims, etc.?

We are all here to help each other. Please keep your posts to the point and avoid attacking other members and guests. No one here is trying to get out of paying their debts. We simply want the payday loan companies to be held accountable to the law of the state they are lending in. As you can see by the posts here, many do not. As far as collection agencies go, we are simply asking that they utilize legal collection procedures - not threats and extortion.

Let's keep the posts on point, shall we? We are all here to help each other.

Thanks Sue!!!

you're welcome

AND don't forget the skip tracing. These people will call your friends family and neighbors. That is no fun at all.

I'm not attacking anyone, I'm just a very honest person that gets straight to the point. Now if i'm offending someone, I whole heartedly apalogize, but unfortunately I don't beat around the bush. Everyone is saying what the CA are doing wrong but what about what we debtors as a whole are doing wrong. I understand things do happen, but we all know that those new pair of shoes and outfit can wait until we get our bills payed. If we take care of business than we'll put these people out of business and no one will ever have to worry about being threatened w/ their scare tactics.

A LITTLE BETTER.

Pooh, I appreciate your apology, and I see where you're coming from..

Please understand that there are a lot of people here who honestly want to take care of things and are looking for help..I've been in that situation myself, and I know that debt is terrifying and overwhelming. Sometimes it's difficult to solve things effectively with the debt monster breathing down your neck, and that's what we're here for..To offor opinions, experience and help.