[Morningstar]

Is the problem you have that the advice we give out makes it harder for you use illegal collection methods? Did your online ****subscription run out, and you can't pay for it, so now you flame people in an anonymous forum to get your jollies? Did your parents just never teach you how to play nice?

****Adult term removed - Jason

You people that feel sorry for themselvs are the ones that fall behind. If you lose your job, GET A NEW ONE. Dont sit on the couch watchin your family members on springer waiting for someone to walk up to you and offer you a $1million salary. Now people that end up getting sick is a different story but still have to find away to pay back the debt that they owe. yes, credit cards are a unsecured debt, but thats why when you dont pay it, your gonna be either sued,garnished and a lein on there property. Those are the ones that call back crying to the collections agency that we didnt try to work with them, when the matter of fact is we tried but its hard to work with ya if your gonna hang up everytime we call or be extremely rude. Why should we work with ya? People with jobs that earn a living have to pay there bills why shouldnt you? You tell tell the people that write on this site are the ones in debt. Get a job and stop your crying.

Once again Guest, you are giving all us other guests on this site a bad name. We all suffer becuase of your arrogance. Enough already. Even if you think you are right, which I don't believe you are, you have no right to come here and slam people you do not know. I believe you are probably heavily in debt and come here to say what you do, so in some wharped way you can feel better about yourself. There is no reason for you to be here. Go play on AOL, there are plenty of others there just like you. They love losers like you.

[cajunbulldog]

Guest is obviously clueless with his response.If he would have done research on this board before typing,he would have realized that texaslawyer is in fact a attorney. I myself am not. Just a advocate to help people on this board so debt collectors don't run over them completely with their tactics. I will tel you like I told the others.Go away ! You are doing nothing but wasting out time with your useless tactics.

I totally agree with Guest. Why do all of you fools go out and open up lines of credit with the grand illusion that it's free merchandise you're getting and that the tooth fairy will actually pay for it in the long run?
If you don't have $ for something, then don't buy it, plain and simple! Also, when you do mess up and get in over your head, don't get mad at the person calling you to do their job and get back what is rightfully owed. Don't get defensive, don't be elusive, and don't be a damn liar. You made your bed now lie in it.
Yes, Illness is a different type of situation, but do the credit cards care that you're sick? Did they know you were going to get sick? Did the creditor calling to collect the debt know you were going to get sick? No one did. If we all sat around worrying about the future what fun would today be? Yes we all realize that the unforseen can and does happen. The fact is that it's something in the past that still needs to be taken care of.

No you may not ax who callin, we know you're lying when you say "He ain here", and don't tell us "well u dint send no bill cuz I never receed it"

Sidekick of guest.....OUT

[cajunbulldog]

Again if you dam@ collectors would follow the law,this board would not even have a reason to exist. Your crying about this and that is nothing but a problem with yourself. If someone has to harass and curse a person out,why in the hell do you think that person you called would want to pay you!

[SOAPLADY]

Guest...you really must be struggling to make your draw every month with that attitude. You sure as hell don't know how to collect. "You people" is such an overused phase used by collectors. Anger does not collect a bill.

My husband and his collection problems are a prime example. He lost his job in the computer industry 12 months after 9/11. It took him almost 3 years to finally get a half decent job again. He had several cards which he used and paid on time. There was no fraud or intent to defraud anyone. He had a good job and we lived comfortably. No one anticipated 9/11 and the fall out. He could not just go out and get a job. There were no jobs to be had in his field and he was over qualified for other jobs or had no experience. He tried dummying down his resume but it didnt work. So several cards went into collections. One agency worked with him and we paid like clockwork and paid that one off. The rest of the agencies came on like gangbusters because they saw a paid car loan and a mortgage on his credit report.
A) Get a job....duh, don't you think I am trying??
B) Refinance your home....duh what mortgage company is going to refi a house when the mortgage holder is unemployed???
C) Borrow money from family....family were lending us money to pay the mortgage and help pay other bills like food.
D) Sell your car...yeah right. And I am suppose to get to job interviews how???

None of these agencies asked him what he "could do"..they all demanded what they wanted NOW! Most collectors don't know how to listen and this is the most valuable skill a collector can have. When I was collecting, I listened, empathized and then collected. The collectors who called my husband were all so angry and rude. Abusive?? Oh yeah. One agency who had my husbands phone number started calling his family in another state, telling them that their was a warrant out for his arrest! 3 calls in total, 2 statements made on answering machines! So consequently the collection agencies started supporting us! We have one account left in collections now hopefully we will receive a check on that one. The agency who has it now has a bad rep so I am just waiting it out with the recording device attached to phone.

[cajunbulldog]

1 ACCOUNT SOLUTIONS GROUP, L. L. C. miedce 2:2007cv10267 01/17/2007 890
2 ACCOUNT SOLUTIONS GROUP, LLC ilndce 1:2006cv03118 06/07/2006 890 08/03/2006

They are being sued in federal court for violation of the fdcpa in Detroit,Mi. They tried to pin plaintiff's
father's debt on him.Account was opened in 1976.He was 13 years old at that time. He even sent in paperwork to prove all of this and they still pursued it. What a bunch of dirtbags! :evil:

What the hell is a draw? Yes i do work for collections and the best part of my job is to watch lawyers try to protect the debtors. Lets put it all togather. Person doesnt pay bill, person gets phone calls from creditors, acct gets turn to collections, person gets lawyer to file bkt, judge denies bkt, lawyer gets paid, person gets garnish or sued. Why would a lawyer care if the bill gets paid he/she does! the best lawyers are the ones that try to offer settlements, OK lets wait 2-3 years till we have enough funds to settle out your accts. well there goes your credit and by the time debtors have enough money to settle out they occured an interest that doubled the balance, but guess what THE LAWYER GETS PAID the card holder suffers. If you give an honest effert to work with the collectors your gonna get alot more options, but when you try to run, refuse to pay and be rude, give me a good reason why we should work with you. Im not sure how account solutions group works but most agency work the same theyre doing a job, giving honest hard working people a job, people that can pay there bills because they WORK. You lawyers want to know the truth, Most collectors make more then you, hows that degree and student loans working out for you? My friend just had a $200,000 house built. hows your one room apartment? Thanks sidekick for taken my side. Oh and bull dog, most likely that father open up the acct, CAN YOU SAY FRAUD?
Thanks Guest

Just accepted a collections position today. Can't wait to deal with all of you deadbeats...I mean debtors.
Nah forget that....deadbeats!

[d-townmike]

You're all scumbags. If you had worked with the original creditor, you would have found them to be very accomodating. But one day, you got your bill in the mail and said, "oh no, I can't pay that." And that started the whole cycle. Idiot. Do you think it's going to go away?. And hey, college-educated scumbag, you pay off your student loans yet? Or are they in collections, too. Do everyone a favor and die.

Then what are you going to do? Try to contact her distant relatives and demand for full payment up front?

Dave Ramsey (best debt-free guru of all time) is right; Collectors are scum and just pathetic excuses for human beings. But he has quite a few secrets and as long as people put in the effort to work with them (meaning call them back and calmly try to work out a plan) collectors will actually be disoriented and be like "uh, um, well, uh, let me see what I can do".

I am currently working with a couple of collection agencies, none of which are ASG, and they are all professional, willing to work out plans, and adhere to their promises (ahem ASG).

Best rule of thumb is to calmly work with them. Good collectors will realize that them being nasty and childish will not get them paid. Most collectors were trained over a weekend on how to be assclowns and placed on the phone. But thankfully there are some who actually have customer service skills in them.

Other rule of thumb is to work out your debts BEFORE they get to collections!

[DRoseDARs]

Hmm, wish I'd seen this thread before. From the first week of November 2006 to the last week of February 2007 I received 2 calls daily to my cell phone every weekday for 4 months straight from ASG ... and I ignored every last one of them; deleted the voice messages instead. Why? Because they were calling for someone I had never heard of before that isn't even the same gender as me nor has a name remotely resembling mine. They had gotten that debtor's account previously from Capital Management Services sometime after Fall 2005, whom I had talked to and informed they had the wrong phone number.

About a week after they stopped calling, ASG transfered that debtor's account to National Enterprise Systems whom I'm preparing to deal directly with to get these calls to stop once and for all. The phone number that is connected to this debtor's account is a total dead end and will never lead to the debtor, only to a very irritated wrong phone number.

So Mister Anonymous "BIG Mouth, Tiiiny Dick" Guest, am I (who is completely without debt and has already tried to correct the record of this debtor's account) a scumbag too? Or is it you, the debt collectors, who did NOT remove my cell phone number from this debtor's account as originally instructed (3-4 separate times if memory serves)?

[cajunbulldog]

You know I guess they are dense enough to not believe a damn word I say. I don't owe anybody any overdue debt.My credit cards are paid in full twice a month when I get paid. :evil: I probably have more sitting in my wallet on available credit than you earn annually! I will say it again,go back to your cubicle and leave us alone. If you was a collector worth his title,you would have loads of work instead of working for a dirtbag company like asg.

Really the only big debt I have is a mortgage and them people love me. I would guess 10 years of payment history never late would have something to do with that.

cajun, does it really take 10 years to payoff a trailor? thats like one bonus check for us. im glad your sittin on a boat load of credit, what kind of retarded excuse are u gonna come up with when those dont get paid? Katrina? ur just upset cause debtors pay an agency and not you. your loseing this battle.

Guest

[cajunbulldog]

It was never a battle to start with. I only strive to keep me and my family happy.The rest can go to hell far as I'm concerned.Everyone on this board knows I will be here helping when I can and there is not a darn thing you can do to change that!

Cajun, you're wrong...it is a battle.
Where do you get off saying that ASG is a dirtbag company?
Typical debtor..... get yourself into trouble because you can't manage your credit, then try to turn it around on the creditor. You people are really pieces of trash.