About collection agencies

You may be correct in this, however when they are allowed to cut someone off while on the telephone and threaten lawsuits while you are trying to get something set up under 24 hours of them sending the first notice is also allowed. The federal government had made it where debt collectors can force families out of their homes because they are not willing to allow the debtor to talk. The collector has very little control of the conversation when there is a wonderful thing called hanging up.

Oh please ....where did you come up with this choice piece of BS??
Show me federal law....oh wait....you can't......

This piece of information came straight from the DJ Spencer, supervisor for Innovative debt collections. She actuallt informed me that it is allowed by Federal law.

Oh, ok....Innovative Debt collection out of South Africa or Innovative Debt Recovery in Arizona.

So if I tell you Elvis is president, would you believe me without proof??

You have been handed a line....read the FDCPA...in my signature line....that is the law....

So you are telling me that it is completely legal for a company to do this right? And they are based here in Arizona. I can tell by the way you are talking down to me that you believe that collectors are all legit and are allowed to treat anyone like trash because they are just simple minded people who like to power trip. I bet if I told you that you will have the full payment in the mail, you would believe me right? The federal government is so messed up right now that banks are failing as a result of closed minded people unwilling to bend to help their fellow man. Let me guess, you are the type that would have a lot of private debts unpaid but still talk down to people because you believe you are in a position of power. I am not some naive person that you can belittle with your internet courage, I served and fought in the US Army so you could have the freedom to treat people like trash, do NOT insult a person or talk down to them unless you know who you are talking to or are able to talk that way in person.

WOW....I am banging my head....did you read what I wrote???? You stated

I responded that this is BS....a total fabrication by a debt collector that you are believing...debt collectors do NOT have this power. Maybe go back and read my responses.....

Wow something civil, maybe had you used that wording instead of trashing me it would have been a decent conversation.


"Oh please ....where did you come up with this choice piece of BS??
Show me federal law....oh wait....you can't...... "

This is what a wrote...
Sorry, you show up out of nowhere spouting off totally wrong information with no research or citation to back up your "facts". Maybe if you had asked whether what the debt collector had told was true....

So you don't hear the cinisism in the wording? Having dealt with collection personel in the past, I know most of the rules and laws. However with banks failing, the federal government has been allowing this kind of trash for years. I had no clue that there was such dishonesty in this organization....See if you had tried to use civil wording instead of the way you did, then the topic would not have escalated to this point. Correct with civility instead of snide remarks, and then you end up coming out with helping someone with the correct information right off. Just some advice for the future corrections you wish to make. Just a suggestion.

If you have experience with debt collectors, then you should know and should have read the FDCPA. Debt collection laws have nothing to do with banks failing and the federal government has not been allowing this trash to happen for years....the feds provides for protection to consumers. My cynicism comes about when people like yourself start posting as experts when they dont have their facts straight.

I have my facts straight, but wished to see how another collector would react. Now explain to me how these laws that are supposedly in place to protect the consumer, why do 99% of the collectors resort to threatening and dishonest acts to collect a debt? Why do collectors call every fifteen minutes harrassing people and doing everything that the law is there to supposedly prevent them from doing? There are very few honest collectors that actually follow the rules to the tee. I can guarantee now that the best tool for any consumer to have on hand, when being harrassed by any and all collectors is the fdcpa. Since these arrogant collectors like to break the consumer's civil rights. People make mistakes or have a hard run of hardships, and then there are the ones that try to take advantage of the system. Now, the real problem is that collectors lump the people that hit real hardships in with the one's that try to take advantage. Either way, the dishonest people in your field combined with the dishonest people that have tons of debts have destroyed whatever reputation collectors had.

Obviously you don't have your facts straight or you wouldnt be making up statistics you cannot support. There a many, many ethical collectors....however nobody seeks out forums to praise them.

if you didnt call screen, there would be no reason for the dialer to call you back. Hardly harassment....
Collectors jobs are to collect debts for their clients..sweet and simple. Many collectors do it very legally everyday. They follow their clients directives. The debtors hardship really isn't their problem. And it is NOT my field....havent worked in collections since 1999.

I can't believe how biased you are. You can't even see what I am saying, just that it bad mouths collectors. You do not know every single person working in the field so you can not speak for them. Most are arrogant jerks that refuse to hear more then yes sir what ever you say sir. I admit there is a few that are decent that do more then lecture, like you are doing. I had one actually tell me to file for bankruptcy on a new debt that is less then a month old. No contact by mail just threatening phone calls, how's that for being correct? It isn't, and you know it.

Whatever...not going to argue with you. You are not worth the time or my expertise. You know it all.