I am pissed off because you people use sites like these to try and worm your way out of paying your bills. It's as simple as that. You idiots seriously think you can trap bill collectors into committing an fdcpa violation, then sue them to pay your bill. You all have some sorry-assed story which you think entitles you to getting off the hook when a collector is forced to call your house and tell you to pay your bill. No one cares. Everyone has their own problems, but not everyone has them because they're so stupid they can't figure out things like interest rates and late payment charges. If you cann't afford it, don't buy it. End of story. You scumbags are ruining the economy, causing every business to raise their interest rates, which costs me money. I'm sick of your shit. You're dead weight. Pay your bills or go hang yourself in the basement.

hmmm sounds like some1 is using their own life story to puts some1 else down..prob just mad because they didnt find this site sooner..

Profane post removed - Mike

eat me, debtor

Hello, I am Ravi from ICICI OneSource, parent company of ASG.

Mr. Fava is a supervisor at ASG. He does not speak on behalf of the company. We are a global organisation and fifth largest BPO from India. Our ethics and honesty are exceeding this unfortunate display.

Please accept our apologies. We are investigating such breaches made by employees who make such remarks or attempt to hide behind anonymous "Guest" id's on posting boards and blogs.

Such behaviours are not to be tolerated. Please know very well that employee disciplines will be taken as appropriate.

Respectfully,

Ravi S.K.
DGM Corporate Security

ICICI OneSource
Mumbai, India

Looks like guest has some anger issues as well as debt issues.

I find it funny that there's so many angry people who use the excuse "pay your bills" and this won't be a problem.

Let me tell you, I'm 25weeks pregnant, I lost my job at 20 weeks. I also went through a divorce just prior to this and am stuck with the debt overload because *I* made the most money. Well, now it's not there. I have to try and survive on unemployment which, in and of itself, is severely lacking.

I've never been unemployed, I've always worked and my credit was STELLAR up until this October. Now, I'm forced to try and find a job while entering the third trimester of a pregnancy.

I've contacted debt consolidation and credit counselling services. They've all told me the same thing...I cannot do it on what I'm making on unemployment. Now I have choices to make. Food, heat, roof over my head, or credit card. Let me tell you the choice is very easy for me because it's not just MY life that hangs in the balance.

I've been recieving calls from ASG as well and had one man call me a theif for ever using my cards to begin with (before the disasterous job loss) and another woman tell me that my "priorities are screwed up" because I chose to feed my expected baby before paying my credit card bill.

Being in debt and struggling just to survive is hard enough but I want to know how these people ever expect to collect a dime when they're using "scare tactics" such as this?

I contacted every one of my creditors when I lost my job to try and set up SOME type of arrangement so I could pay them back while I tried to secure work and was told "Sorry, we cannot help you" So now my back's against a wall. It's a survival instinct that kicks in.

Bankruptcy is in my future. As much as I hate to admit it, I'm going to lose everything, not for lack of tryin, but for lack of an understanding on my creditor's part. A simple agreement for a lower monthly payment until I was employed again would have worked for me. I have no problem paying the interest and my debts when the means are available to me.

Some posters ignorance as to how and when trouble can come knocking with NO warning is just incredible and, I hope to the gods they never have to make the decision of food vs. visa when a son/daughter's health hangs in the balance.

[dashley]

Actually, I have a worse story.

I'm being harrassed by ASG, and I believe the underlying debt is fabricated. If they don't reply to my letters requesting more information about the underlying debt, I'll be contacting the New York Attorney General.

Could anyone else who has experiences with ASG that may be fraudulent in nature write me at dashley at gmail dot com?

[truth_hurts]

Oly-oly-oxen free... we found you. how's life been lately? the job at cheddars going well? helped anyone write a letter to their pdls lately? its been a blast but i have to get going now. drop by and visit more often, or are you still taking a breather from the site's ridicule?

[texasconsumeractivist]

ya wanna know something truth_hurts?

especially DAVE whoever you are... Talk like a tough guy to me over the telephone... Not giving any information. I've told him to stop calling me for the third time!! He said what are you gonna do call the phone police on me!! They really are SCUMBAGS!!!!!! Talks tough over the phone.. come see me face to face alone. You wont talk like a tough guy ever again.. The telephone number that Dave has been harassing me from is 781-213-4502

[cajunbulldog]

It really amazes me that someone can be so rude and caustic and still expect to be paid. The FDCPA was written to protect consumers from scum like this company.I wouldn't brag on Microsoft Cert. you are touting.That man is the only one I know that can become a billionare selling buggy software.

[cajunbulldog]

The latest info I could pull up on these jokers compliments of www.bbb.org & New York Secretary of state.

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I guess all you really got to do is pay the bill that you owe and you wont get phone calls. credit cards isnt free money, its a loan given to you from a bank. same with a house or car payment. you dont pay that your out on the streets. If something comes up where you just cant pay FIND A WAY.Stop crying. Most people that are in debt havent work in God only knows and now they feel abused caused they are expected to pay money back. Get a job and stop living off the goverment. B.K has great benefits.

[texaslawyer]

Well isn't our guest a smart ass. Probably one of the very debt collectors that pays me every time I talk to his boss. A credit card is unsecured debt. It is not the same as a house or car loan. Banks that offer credit cards take the risk of giving unsecured credit. They charge more than enough to cover that risk.

Most people who fall behind on their bills have lost a job or someone in their family became ill. No one in that position deserves the type of illegal harassment all debt collectors engage in.

Let me guess you owe money as well! If you cant afford you take the risk of using a credit card, DONT OPEN THE ACCT.