oh gosh, I just got a weird automated message informing me to press one, but silly computer left it on a voicemail, not a live person..
anyway, I looked up the name on the caller id...its Legal Mediation Practice, I have no outstanding payday loans, or does my hubby...we had 2 for a very short time last summer, and paid them off a long time ago, and believe you me, I have EVERY receipt...
Anyway, I dont have time to 'join' here right now, but I will, before having kids, I was an Operations Manager for a Collection Agency...and had worked my way up the collection agency ladder, and ended up in an executive position...before you slay me, know this. I was SO VERY shocked at the harsh tactics I was 'taught' and 'trained' to do, that instead of riding the grey line, and crossing it, like my coworkers ALWAYS did, I took the higher route, and vowed to change things.
The agency I worked for (large agency, services mostly government accounts, parking tickets, civil fines, muni tickets, those kinds of things). When I started, this agency had maybe 15 collectors and maybe 3 big clients..most of the collectors got joy over harassing people. The higher ups wanted change, and I brought it. I changed everything. We turned into a respectful agency, and 11 of the original 13 were fired for not following fdcpa or even walking the grey line of it...and I built the collection floor with people who respected the people who owed the money (I hate the word DEBTOR, especially since I have owed money before, and still do, and its just so negative)...anyway, when I left we had over 25 government accounts, won with our 'new attitude' and responsible employees, and accounts from all over the US. I had 4 managers under-me, and then 2 team leads under them, and about 10-12 collectors under them. We thrived and made so much more money with respect..oh, and the whole last year of my employment there, we got ONE, yes ONE complaint via the BBB/banking commissioner/fdc....and it was just because someone thought we were violating the DNC list, and they filed it without knowing we actually were not a sales call...and it was dismissed....I have since heard, they have had some troubles after letting me go (whole other story, my family leave was up due to a preterm labor, so they were legally able to 'let me go'...morally, it was a different story)..
BUT, I think that I can offer lots of great consumer protection/fdcpa/complaint info to the discussions, and will be joining officially soon!
yaka