Maxed Out - Documentary on Credit in America

It is still called that KS my brother-in-law has that disorder (lol)

Funny how I can't get an answer to a simple question.....

I read some of the blog also, skimmed through most of it, as it seem fairly redundant to me. Unprofessional also comes to mind, poor punctuation, poor grammar, etc.
The use of such offensive language is no way to capture an audience's attention. Definitely written by someone who has a limited amount of education in the art of writing. A Wordsmith you are not. Perhaps you might consider writing in the form of treatise. Just sayin'.

What's my legal right to "empty" someone's checking account? I answered that already... I don't have a right but the client does. And that right was validated by acquiring a judgement and having the debt paid. If you don't like the reality of that, then get the laws changed.

How could you possibly think I am looking for sympathy? I don't care whether you agree with me or not. Any advice Ive given is that - advice - and I bet if I posted as guest you'd have no problem accepting it and saying thank you. Take it or leave it. I have been nothing but respectful on this board.

I'm not justifying anyones behavior - especially my own. I describe the job... I have good days and bad days. Instead of taking my frustrations out over the phone which solves nothing, I chose to spend five minutes taking it out on a keyboard. Ive spent hours on the phone not making money but instead listening to people that needed someone to listen. And Ive given lots of financial advise and counseling - probably to lots of folks on this site since Ive been referring people to it for a couple years now. Ive settled accounts for way below client parameters. Why would I short my commission? Because I wanted to do whatever I could for the person on the other end of the phone. Someone who was doing their best to get their life back together - maybe after an illness or a divorce or death of a spouse. Do I get frustrated? Yes, listening to all kinds of excuses... someone telling me all about how crappy their life is and how its not their fault.

Do I care about your opinion of me? Not so much.

Wow, for someone who doesn't care what people think here, you sure visit an awful lot, yes? I also read the blog and aside from telling you that yes, spellcheck is a good thing, it seems like you got an awful lot of enjoyment over people's financial woes. And a whole lot of your colleagues in the phone-terrorism world feel the same way. I think that's what I object to the most in that document. I know that you understand that you don't have a legal right to someone's checking account, but reading between the lines, the phrase "na na na na NA na..." sure stuck out at me. How would YOU feel if Phone Terrorists Are Us suddenly closed, you were out of a job and BAM, YOUR checking account is emptied. Not so funny when the shoe is on the other foot, right?

Lets try to clean this up.... the guy had a valid outstanding debt, he stated it was his, said he wasn't going to pay it even though he had the ability to pay, then said "do what you need to do". He had the opportunity to save himself $5000. The money was removed legally from his checking account. Its called natural consequences.... as you all know - and resent --- collectors have a lot of control over what happens to your account that hes looking at on his computer screen.... thumb your nose at him and hell give you a beatdown. Work with the collector and the collector will work with you. Screaming into the phone or blowing airhorns gets you sent straight to the legal department. Id rather work with someone that wants to take care of the problem instead of prolonging it.

I dont post here because I care what you think, I am here to get a better understanding of what its like to be on the other side.... its glaringly obvious that collectors arent welcome - especially by the moderators... even though the person that is probably best equipped to give advice is a collector.

It's interesting that you say that collectors aren't welcome, especially by the moderators--because two of our moderators HAVE worked as collectors! Bet you didn't know that, did you? And no, I'm not going to tell you which ones. I'll let you figure that out for yourself. So that's one statement blown out of the water...
And natural consequences? The only way you could legally get that money removed was through a judgement, which takes longer than the clicking of a few computer keys at Phone Terrorists Are Us. And the only person who can grant a judgement is a judge, not you, Mr. Collector. So it seems like you don't have as much power as you think you do! Statement two blown out of the water.
And please, please, PLEASE, let me tell you, the apostrophe can be your friend. What were your English grades like in school?

The little finger on my right hand doesnt work too well.

Judgements....the company got a judgement.... and it doesnt take as long as you think. You can do it in less than seven days. The collector walked over to the legal department, told them the deal and they took care of it.

And collectors do have a lot of control over what happens to an account....Ive buried accounts so the legal department wouldnt take them. Ive taken rediculously low payments... how many collectors do you know that accept $10/month? Ive sat on accounts for months knowing that if I didnt hide the account it would be sold or routed to another collector that would beat the person up.

Yes,I already know that at least one of the moderators was a collector... so I should change my wording to Im not welcome here.

7 Days?? Come on. The debtor has to be served at least 30 days before the court date!! What state are you in, Stalingrad?? Where did you get that information from? If your company tried to pull that, any judge would toss it out, just because of improper serving of the debtor. You DO get 30 days before a court date, so 7 days is a complete fallacy, my friend. I am glad that you have taken small payments--but I still think you are getting a little too much enjoyment out of bullying people on the phone--and that is why I have a problem with collectors in general. And for your information, my sister was a collections supervisor who finally had to get out when it was getting to her.

Where do you get the impression that Im a telephone tuff guy?

Not trying to dog pile on you imadebtcollector but with the seven day comment I was curious, in every state and district in the US their rules for civil procedure give the defendant between 20-30 days to respond to the summons/civil complaint from the date of service. How does your legal dept. do it in seven?

Im guessing this had something to do with it....

http://caveatemptorblog.com/2007/05/...t-garnishment/

So it is a law strictly for the state of MN, interesting. Thank you for the answer, at any rate however this thread began with the original topic of the documentary "Maxed Out" and it has degenerated severely to the point where it is almost an open flame war.

I think this discussion should be closed before it escalates any further so I am locking this thread.