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#1
05-28-2008, 11:03 AM
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Debt Collectors
Has anybody out there had a good experience with a debt collector?
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#2
05-28-2008, 11:07 AM
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reply
allow me to raise my hand first.two agencies
collecting for credit cards.one was nelson watson,the other was bronson&maglaciano.they both helped me work out payments and reported to the OC payments made.as far as pdl's are concerned,not so much.
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#3
05-28-2008, 11:12 AM
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Yes twice both for inaccurate payment by insurance on medical debts. Both times I verified the debt & collector was promptly paid since they did their job properly.The second time it resulted in a two bureau deletion of collection account. Good collectors do exist,it just seems they have fallen to be a minority & the bad ones give everyone a bad name.
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Cajunbulldog Keeping an eye out for consumers. http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809 http://www.ftc.gov/os/statutes/fcrajump.shtm http://www.debtconsolidationcare.com.../about216.html Use this letter to protect your rights under the FDCPA myfairdebt.com & myfaircredit.com-Good source of case law in forums.
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#5
05-28-2008, 11:18 AM
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If op don't mind I am gonna move this to our debt collections board.
__________________
Cajunbulldog Keeping an eye out for consumers. http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809 http://www.ftc.gov/os/statutes/fcrajump.shtm http://www.debtconsolidationcare.com.../about216.html Use this letter to protect your rights under the FDCPA myfairdebt.com & myfaircredit.com-Good source of case law in forums.
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#6
05-28-2008, 11:20 AM
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Since this poster has joined us & is willing to follow our guidelines in discussion,I am gonna ask everyone to please stay on topic & be civil. Thank You.
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Cajunbulldog Keeping an eye out for consumers. http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809 http://www.ftc.gov/os/statutes/fcrajump.shtm http://www.debtconsolidationcare.com.../about216.html Use this letter to protect your rights under the FDCPA myfairdebt.com & myfaircredit.com-Good source of case law in forums.
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#7
05-28-2008, 11:51 AM
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Thanks for the welcome
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#8
05-29-2008, 10:40 PM
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I have unfortunately had a fair bit of dealings with debt collectors and in all honesty I have to say that every experience has been good. No one has ever threatened me with bodily harm or called me a deadbeat, telephoned me at inconvenient hours or pretended to be something they weren't. I even once gave a collector my bank account number for automatic monthly withdrawals, which I see now is considered a no-no, and they never withdrew more money than I authorized or ever did so before the dates I indicated, and the debt was eventually discharged this way.
Whether this is because being dirt poor with minimal assets and no real property I didn't provide enough leverage for 'em to get real nasty, or perhaps just because the balances were relatively small, or because of the type of debt (medical and credit card, no payday loans or mortgages or anything like that) I don't know.
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#9
05-30-2008, 06:04 AM
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I've paid off 2 accounts with asset acceptance with no problems, setteled them and they reported paid in full and then I asked them to remove it from my CBR which they did. I paid off two more but it's been so long ago now I can't remember but I was successful and had no problems.
There are maybe 3 accounts left that I need to deal with but the collection agency, not the collectors, have been particularly nasty in their dealing with me. Before I had the ability to even pay back my debts I dealt with some really nasty collectors.
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#10
06-01-2008, 12:44 AM
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but you were a collector and know full well how to deal with them and bring ammunition in your corner...
most people contacted by nasty collectors are very intimidated and feel very violated since you were in the business you knew how to hold your ground and not let them treat you badly..thank you for giving your info to others here on site
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#12
06-02-2008, 07:12 PM
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The bees and honey thing has been mentioned more than once... and I have to say that more often than not the first contact I have with a client is pretty awful.... not even given a chance to say hello and ID myself. And the conversation goes downhill from there. Please dont go into the call assuming youre going to get banged up by the collector. But from what I read on this forum, its a common assumption. Is there a way to change that thinking? And Im totally serious when I ask that question.
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#13
06-02-2008, 07:20 PM
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I haven't had any good experiences with any collection agency's so far. I have been pro-active, and as cordial as possible. Unfortunately, the CA's who are assigned to me, are all known for fdcpa violations, they continue to do so in my cases also. :?
__________________
CLICK HERE To join my Social group, The Payday-Loan-Free Advocates! Online Complaints Ohio Attorney General Online complaints: Federal Trade Commission. Ohio Payday Loan Laws CLICK HERE to find a Creditor
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#14
06-02-2008, 07:25 PM
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You joined six months ago - Id go digging through you posts but there are over 2000... what kind of resolution have you seen so far?
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#15
06-02-2008, 07:28 PM
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One judgment vacated, and one pending for dismissal with prejudice, fdcpa violations. Next step, is a counter suit. I have all the proof I need, and a Judge who is getting impatient with this particular CA. 8)
__________________
CLICK HERE To join my Social group, The Payday-Loan-Free Advocates! Online Complaints Ohio Attorney General Online complaints: Federal Trade Commission. Ohio Payday Loan Laws CLICK HERE to find a Creditor
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#16
06-02-2008, 07:36 PM
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I would have to say the issue I have with collectors is their "TONE" the ones I've talked with are just so harsh sounding, rather than sounding like they might actually want to try and help a person become current. That's why I think most people are turned off by them the second they understand who is calling. Would it hurt to use some kind words, like I understand, or let me see what I can do to help. NOT "Well what did you spend your last paycheck on?"
Hope that helps 
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