Debtors excuse

You have way to much time on your hands. Some of them are kind of funny though!
How about "I gambled with the money that I didn't have so I have to pay Vinnie the Stooge on the corner of Bloomfield ave. by Dickey Dees first or I'll have my face broken."

Sad thing is, some of them are true- car broke down-etc. For a long time I paid some crazy collection agency that I didn't even know I owed(before I came to this site), and did without my meds, heart,etc., to pay them. Some of us who have lost our jobs and health insurance have to decide whether to eat and have a roof over our heads or pay them--today the choice is easy-eat, get meds, and have a place to stay..!!..KAren

End of the month again eh? lol Some are kinda funny! And Frog aren't these pdl's one in the same as Vinny?? ;) Cept they won't break ur face they'll only download u! he he he
Better than being uploaded as u said! lmao
Ang

Bet we could come up with a few that explains why people choose this line of work, I will start.Let me say before hand that not all collectors are jerks but it seems this one in particular wants to mock people who for some reason can't pay their bills. Some of these excuses are legit and I don't like it when you play on people misfortune, I believe we are all one paycheck away from the same misfortune.

1. I have a law degree but I can't pass the bar so I work in collections.

2. Working in collections is easy, all I have to do is call up and bully people, I don't even have to know the laws.

3. I can't get employment anywhere else, I telemarketed before while in law school so this is alot like that job.

anybody care to add to the list?

Oooh! Ooohh! Me! Me! LOL

4. I am a convicted felon and can't find gainful employment anywhere else, so I work in collections for not much more than minimum wage, and take my pent up frustration and anger out on the debtors whose homes I call 20 times a day.

With that said, I'll go back to my STEAK DINNER now...complete with fresh summer squash and zucchini on the side.

And before our friend comes back and berates me for my steak dinner, guess where I found that steak? In the markdown section for 1/2 price! :lol:

5. I work in collections because I needed a job with no thinking required.

6. I work in collections b/c i can make up laws as I go.

7. I work collections to ensure I go to a warm place after I die. I hear hot , dry air is good for the skin.

:lol: OMG...we need an ROFLMAO smilie on here!

You go guys, this is what I call community effort, LOL. I just could not believe the nerve of this guy. How DARE he? Like we would take this.

8. I lost my job with the payday lender.
9. I enjoy being hung up on and sent cease & desist letters, it is the only human contact I get.

Maybe I'm playing devil's advocate here, but I know that the collection agency employees hear every excuse under the sun. And I know it has to be frustrating for them to try and do their job and have SOME debtors refuse to pay based on what appears to be a flimsy excuse.

But being a debtor myself, I have to say I have faced many of the situations they hear about - broken down car, kids sick/trips to the doctor/hospitalized, loss of job, loss of other source of income, divorce, you name it. It's not ALWAYS a lie or a sob story told to a collector just to get out of paying the debt - many times, it's TRUTH. They just get paid not to believe it. One can only hope they never face that situation themselves. Oh wait...they're collectors...we're supposed to believe they never pay a bill late, have medical/financial/car troubles or get screwed in a divorce. Their lives are golden.

I agree SUEBEE. But to me, it would be far more interesting to see a list of collectors' excuses when they are hauled into court for various violations of the law.

Excellent point by lawstudent! :-)

this fruit loop posts a list of debtors excuses.....he cant post any collectors excuses, because they have no excuse....

ive never broken an fdcpa law but then again i understand them and you debtors really don't, am i goin to hell because i collect debt? if you owed me money and i called you daily to get it back and u kept givin excusesyou would understand you owe me right? i mean in all seriousness im 22 never missed a bill and i really wanna thank ALL OF YOU yes i got an ulcer from dealing with your bullshyt lies but i grossed a lil over 130 thou last year and bought my first house this year YEA TO ME but seriously collections is a great job i love it, ever think of just paying the bull off with a new loan? aww you lost your job......4 years ago.....the bills 8 years delinquint....hmmmm


1. i have no money.....i have a 1800 rent i make 2200 a month i have 6 kids......collect CS or close your legs

2. cant get blood from a stone....we dont give credit to stones

3. (this is were i would REALLY help you) listen im a poor box im scum im a dtr please help me - you i would help and btw you owe 20-30 grand by federal law alot of debts cant go below 1% min so yea you will have to pay 2-300 dollars we still have to report to our bosses we cant always remove interest and were not jerks.....ive never met a collector w/o decent credit

[size=18][color=Red]BUSTED FOR THE LIAR YOU ARE!!!![/[/color]size]

Let's take a closer look at your recent posts, "collector"...

EXHIBIT A:



EXHIBIT B(from the encore thread):



SO.....you were a collector, settlement rep, and financial advisor SINCE THE AGE OF FIFTEEN????

F@#K off, loser....you just got spanked. THIS IS WHAT HAPPENS WHEN YOU LIE....luckily for you, this time it only resulted in you looking like a complete moron. Next time you lie, it might be on the phone calling my house....and if that happens, I am gonna sue your a$$....count on it, liar!!

let me explain a lil at 15 i began working at preferred financial services in lawrence ma untill i was 19 first as an advisor then moved up to a settlemtn rep lil training is need to start and ill be the first o admit that settlemtn programs are the biggest scam in the world not to mention they dont have to adhere to the fdcpa dont go use those programs at least in my opinion, next i movex onto collection which ive been doin thorught school and the agencyh i work for has an excellent record so next time befor you pass judment just ask my freind :) and yes for a young age im quite happy with the money im manking but by no means will i be a colloctor forever in takein some law courses and hope to pass the bar in massachusetts sp skydiver seeing ive NEVER broken a law how would you sue me? im curious for if you the one not paying you bill and i (hopefully) being the lawyer would it not be i sueing u? obviously pending your in my state otherqise sending your account to a local law office / collections agency? bitchin and moan will never get you out of debt it only prove the loser you are, i had a WOMDERFULL dtr today in school axious to get this taken care of and of course i worked around that for him, you i would be expecting BIF

before jumping the gun to prove how tuff you and just ask, cause it just might be callign you house and your neibor cousin aunt freinds and old roomate looking for you.....pending the nerby search limits in your state of course

you dont really expect anyone here to believe that, do you?? You expect people to believe that you were employed, at age 15, as a financial advisor?? Tell me, how exactly does a kid advise people about their finances?? Who did you have for clients--the paperboy and the girl who ran the lemonade stand on the corner?? dude--WHO IN THE WORLD IS GONNA LISTEN TO A KID ABOUT ADULT MATTERS? Do you even realize how ridiculous you sound right now??

So, are you telling me that you went to the labor department and got a minor's work permit, or did you do this "under the table" instead?? Being that MA requires a labor department work permit under 16 and all....

You also said that you averaged 120K over the last seven years. you obviously suck at the english language...do you suck at math just as badly? What would you have had to make when you were 15 to average 120K a year? Dude--youre really smoking crack now.....

So, now you say you have a free ride for college....but you just now bought your first house?!? You have been making an average of $120,000.00 a year for the last seven years...and you arent paying for college....but you just bought your first house. What do you drive, a Ferrari?? you really need to stop spinning tales, chief.

FYI--this isnt about how "tuff" I am. It is about how pathetic, sad, and dishonest you are. Pitiful, man....really pitiful.

Finally, even your pseudo-witty comeback attempt shows how clueless you are. You just might be calling "my house, and my neighbor, cousin, aunt, friends, and old roomate"....well, if you called my house, it would then be illegal for you to call all those third parties, since you would have already ascertained my whereabouts when you called my house!

But....you never broke the fdcpa....right? you cant even properly explain it when youre in here talking trash, let alone on the phone when it counts...

and here we go again.......i made nowhere near 6 digits working at prefered finincial services, i wasent a fiancial advisor who you would take on retain you would call and i would go over options and find out what would be best settlemnt cccs or banko being as i worked for a settlemtn compant 99% that would be the choice, i drive a 96 park ave not a farrari but i must say i love the system, i love my first house its a simple 2 br in malden cost just over 200,000 i had close to half that down and both me and my brother live there, as to the crack refereace once again no drigs here buddy, and in case you havent heard the term im what they call a telephone copone, im not meeting people and im not on a video phone i can build the persona of a 45 y/o overweight nerd behind my desk and people buy it, and yes you can work starting at 14 the requirements are the job conditions i was able to obtain this easily thorugh my high school not to much danger at a cal center is there? and over the couse of several months pending there are no stricker stated laws yes i could have contacted everyone of those people, look it up ma gives scholorships to anyone who gets a high enough score on the english and math on the mcas im sry if community didnt treat you well, i admit my phrasing on 120,000 over the last 7 years was poorly worded ive made the 6 digit range for.....i think this is the fourth year as of november if im not mistaken (nov 11 my b-day yay me)i hit pretty good money im settlments as well. hell most debtors take advice from these "moron collectors" in referace to there finances why wouldnt they take it from me? diver i have no quarral with you but if you have nothing better to do than try to make me look bad, i serious dought you have the time, if the fact that a 22-23 y/o makes more than you or has more savings, house car and a happy g/f y not say so, im not tryin to rub it in you face hell im sure someone on this board must have at least ONE serious question to ask me and id be happy to answer and try to HELP someone as is what im here for, and im sure there might be people on here who would congradulate someone for accomlishing so much in so little time but its seems you to petty

dishonesty is not to be congratulated, collector....thats the whole point. AS for me, who the hell do you think you are, telling me that you make more than me, or anything else? What is my income? What do I own? You dont know anything about me, do you? Youre stepping pretty tall right now for such a little turd, son....you gon on and build your "personna"....in the meantime, assuming things about me will get you nowhere.

I already asked you--you still havent answered. What is my current situation? You seem to like to talk about the spot I am supposedly in and all...so lets hear all about it!!

the way you defensivly attack me and my way of life simply lead my to belive 3 possible things,ONE you unhappy with the hand life debt you, you were the smartass in school and the one who always proved the teacher wrong hence the ged you make 45 thou a year and wish you did more with your life your prob married id say 2 kids and a dog in the mid west two your a deadbeat duckin and dodging bills prob hurt on the job at a factory collected dissability way longer than you had to and got a vendata against CA's callign for there money, and instead of paying when you have the money you figured you learn all the loopholed to getting out and prob get off on it like a junky, or three living the suburbun dream you and you wife make great money but you board shytless with life and you wife wears the pants hence the need to TAKE CONTROL OF INTERENET FORUMS you like to feel needed and wanted few freinds but well to do, seeing how you greatly overreacted at the mer mention of me making more money then you ill take the poorness from 2 and the lonley board freindless life of 3 close?

I jumped on you because your story sounds plainly ridiculous. Thats it.

As for your "Expert assessment", I hope that wasnt any indication of your skill in your chosen field, because you suck at it. you didnt get one thing right, except that I am married. I dont live off disability, never have. And I survived cancer....I have worked my whole adult life and some before then, and I am proud of my accomplishments. I dont live in the midwest, I dont have a mountain of bills, I have practically no debt at all, matter of fact. We have a mortgage and a truck payment. Thats it. So there goes that one....oh, and bored with life?? Thats funny--I dont have time to be bored.

I work for what I've got. Disability??? I dont take anyone's handouts, nor do I need to. And I damn sure dont fit into any of your fantasy dream personalities up there. So sorry, you suck at this like you suck at honesty. Good day, chief. Better luck next time.

nevet said "expert assesment" you did i took a pretty random guess good life i wont knock it it sounds very pleasent, however you did mention you were recieving bill collector calls i take it thats a wrong number? you survived cancer ill prob die of it (not a joke just kinda doomed in my family) you asked me to take a stab i did my job isnt being miss cleo, and if were gonna cintunie this pointless rant i might as well throw in that for some uber busy person you've spernt 4 hours bitchin at A 22 y/o on an internet forum....i dont really have much of a person life wats ur excuse?

my "excuse" is that I have become accustomed to being up at odd hours because of my work history. As for collector calls, I truthfully do not have one single CA calling me right now that is for a legit debt. I dont believe in credit cards, so I dont have any. Cap One has been claiming ever since I was 17 that I had one of their cards, we all know that isnt even possible at 17 but oh well.

I asked you to take a stab because you were making comments you had no place making about "the spot I am in". So, I told you to tell me what you knew about me that qualified you to make such statements. As I expected, you fell on your face about it. Miss cleo, no, you arent, but you should have thought about that before you tried to tell me what my life is, am I right?? Dont pin your behavior on me. Be man enough to take responsibility for it yourself.

you know what i appologize for asumming you reason for rashin out on me were for jelous and not distrust look i love a happy life well ahead of my time i enjoy and hopefully can ride this for 3-4 more years however it would be nice to hear you admit your wrong life goes on and i remain happy, y dont you take a gulp of that pride and deal with some of the more important issues people have on this forum and not tryin to make an ass out of yourself

The both of you had best start following our forum rules or I will start editing posts.We can discuss this topic with out personal attacks or cuss words so please do.

boy, did THAT get out of hand quickly.

Ok kinda early in the morning for this... so i skipped over a few posts!
Guest, most adults do NOT go around telling others, much less on a public internet forum, what their annual salary is!! Hell i don't think i've ever told anyone!!! (excpet for the wonderful credit card companies) ;) Secondly, here in our state of Louisiana, we have VERY strict guidelines for minors in the workplace! The maximum they can work is 20 hours a week and the hours only 4 at a time... so u may see why it is hard for "some" of us to believe ur story of working at 15 and making 120K, right?
Thirdly, if u DO indeed make this amount of money and live so high, i congratulat u! Be careful, cuz usually in life when u spit up in the air it comes back on ur nose! Ur still young yet, wait a few years and see how ur medical life changes then come back and talk to us....
Hell my daughter is 21 and on an academic scholarship and just beginning her senior year in Aug and is only able to work a very small part time job to maintain her grades in order to get into grad school. So again, congrats to u that u can work full time, go to school full time and still maintain ur grades! (but there is really NO need to brag about it to us)
:)
Ang

Just a suggestion to collector, take some spelling classes along with that law class you are taking, nothing personal, but if you are working towards a degree please get the basics down first, spelling, math and reading. These skills will help you when you take the bar also, if you don't spell things correctly no one will ever take you seriously. If you ask, I am sure someone on this site would be happy to tutor you. We are just NICE like that. LOL

I am definately in the wrong industry Ang, how about you?

Well ya know Fed, if my daughter could make that kinda money and still get her degree i'd tell her to go for it!
Hell maybe he can get her on!
;)
Ang

I could not be a unprofessional collector as some of us are equipped with a higher standard of morals. What I always find so hilarious is the fact that if we did pay all our bills,collectors would not have a job.Yet even though we provide their sole purpose for existence,they treat their potential paycheck like cr**.

Good point Cajun!
:D
Happy Weekend,
Ang

Yeah, I'm in the wrong industry as well, lol. And sad to say, I really DO make about $45,000 :( --but at least I do it legally.......And does this 22 year old really remember Miss Cleo? I don't think my 22 year old does, lol.....

my thoughts exactly, Cajun! It's just fine for them to harrass debtors into paying, sometimes for debts that aren't even valid ones...yet if debtors didn't have situations that caused them not to pay on time, the collectors would be out of a job.

Gee, and if they were out a job, gasp, they....couldn't PAY THEIR BILLS!!!!!!!!! So maybe they could call each other???????

ROFL kscornell! :lol: they could try to outdo each other with threats.

Collector/Debtor #1: "I'm going to have you downloaded if you don't pay $500 by 2:00 p.m. today"

Collector/Debtor #2: "No, I'm gonna have YOU downloaded AND I'm gonna have 25 people at your door in five minutes to arrest you for fraud!"

Collector/Debtor #1: "I'll see your download & 25 people for arrest and RAISE YOU an interstate fraud charge!!"

ROFL

And let's add this: Collector #1: How many kids do you have? People like you shouldn't be parents!!!!!!

Ahhh makes me wish that we could all get the money together, pay off all our debts and put these people out of jobs :)

Ok, but if they were out of jobs, they'd have to get other ones--and what could they do? Telemarketing? They already have experience annoying people on the phone, right??????

Good one KS.

I have a friend who was telemarketing for a light-bulb reseller -- she as just doing it for extra $$ while in college. They would give her the yellow pages, and she would have to cold-call the business in there and try to sell the light bulbs. And the kicker was, they didn't come in 1s or 2s- she had to get people to buy at minimum a box of 50 for like $120. Who's gonna just randomly buy that many light bulbs from someone who calls them on the phone??? Needless to say, they fired her for not meeting her sales goal.

So telemarketing is a good one for collectors. Where else can they con people? I'd say they probably make good used car salesmen too. Or door-to-door vacuum salesmen.

PS just wanted to add this...

Quote:

i might add i didnt say all were i that i stated ive never met one w/o credit, me PERSONAL and not touchy about financial situation i know some people are ill talk about my pay credit w/e and so do alot of ther peopl a works for, maybe its true and i just happend to work for two CA's that are in the rare percentile where they dont have any of ther problems you seem to point out, maybe there are horrible collectors and CA's just non that i personally have worked for

I'm still thinking about the free scholarship he received for his math and english scores....hmmm....making me think I should leave the MIDWEST and move to MA. I'm sure my kid could do quite well there considering he scored in the 98th percentile in math and english...meaning he scored higher than 98% of the kids in the U.S. and after reading collectors post, he would probably score in the 100th percentile for the state of MA.

"might add i didnt say all were i that i stated ive never met one w/o credit, me PERSONAL and not touchy about financial situation i know some people are ill talk about my pay credit w/e and so do alot of ther peopl a works for, maybe its true and i just happend to work for two CA's that are in the rare percentile where they dont have any of ther problems you seem to point out, maybe there are horrible collectors and CA's just non that i personally have worked for"

what you did say was "90% of them pay their damn bills"....care to tell any more tall tales and contradictons?? Or do ya think that telling one story and sticking with it could possibly be in your future?

i was speakin from experiance

Gosh, will someone please STOP this character? Trying to read his/her posts makes my head hurt. It's either the spelling, the major run-on sentences, the punctuation, the grammar...or all of the above.

Please...do everyone a favor. Go back to your collection hole in the wall and stop trying to impress us with your intelligence. It's frightening.

SUEBEE, as I said in another forum on here, I don't understand this thread by the "guest collector". Is English his or her native language? I also saw some mention of a "law class". Firstly, in most states one must already have a degree to be accepted into a law school, which this person quite obviously hasn't. I can only think of a few, and Mass. isn't one of them. Secondly, he or she could not have begun work at such an early age as a regular collector (child labor law). As to his (or her) income, dream on. Most attorneys don't reach that level in their first few years, let alone some under educated collector. This person is a troll. Let him or her respond as he (or she) sees fit. I'll not respond.

Maybe it is an online law degree, LOL.

collector it is experience

Ha ha fed @ online law degree!
Lawstudent is right on in his observations!
:D
Ang