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 Posted: Thu Jul 19, 2007 2:53 pm Subject: snotty collectors |
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I want to pay for a bill I owe but when I try to tell them I can't pay what they request I'm treated like skum. Is there anybody in bill collections who's empathic?
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suprmousinthhouse
Joined: 19 Jul 2007
Posts: 1
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cajunbulldog
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| Posted: Thu Jul 19, 2007 3:11 pm Subject: |
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Collectors are bound to follow the FDCPA laws. They must treat you with dignity. Start recording the phone calls when they violate the FDCPA laws. There is a chance of a class action lawsuit against the company.
Have you got the debt validated by the CA? You need to make sure that they are authorized for the collections and your money will be going to the right place. Once you have verified the account, put your payment proposal in writing. This way, you will cover your base legally.
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mute805
Joined: 17 Oct 2006
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| Posted: Thu Jul 19, 2007 5:45 pm Subject: |
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I don't agree with the 1% factor because I am a good collector and I work in a building with good collectors and I know other good collectors who work in many different companies thoughout the US. Even in some of the agencies who often get complained about.
It is not a violation of the FDCPA to be rude and nasty. If you choose to record a conversation you should follow up on your state laws. Even after you verify an account legit a collection agency does not have to accept your proposal because when things are sent to collections the balance is due in full most of the time, depending on what type of debt it is.
My suggestion is that if you want a nice bill collector to talk to keep calling until you find one. Or just mail in your payment with a note saying you will mail in another when you can.
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FYI
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cajunbulldog
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| Posted: Thu Jul 19, 2007 11:38 pm Subject: |
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Did you receive an initial written notice from the CA mentioning:
(1) The name of the original creditor
(2) The amount of the debt
(3) A written statement that if you do not dispute the validity of the debt within thirty days after receipt of the notice, then the debt will be assumed to be valid by the collection agency
(4) A statement that if you dispute the debt in writing within the thirty-day period then the debt collector will mail the verification of the debt.
If the CA does not include the above mentioned specifications, then they are in violation of FDCPA.
And always remember that a CA can not treat consumers like dirt. Send them a debt validation letter with a C&D letter. Show them that you too are aware of your rights.
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goodnelly
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| Posted: Tue Jul 24, 2007 8:23 am Subject: |
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GO COLLECTORS!
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Register today to cash in debtcc points.
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