Chase is making me crazy!

I don't think I would answer my phone! I would talk with your company you are working with and see what they suggest you do. Also, I do know some companies say they don't work with these companies.

Your company should be able to tell you how to handle Chase and what to do, or not do..Good Luck- Relax and enjoy the weekend- you can't do anything about it anyway-at least for the weekeend..KAren :D

LeeLee, I feel your pain. I have dealt with Chase before, and you're right. They can surely be nasty. I don't think you should answer your phone either. You know they are going to be taken care of in the debt management plan, so don't sweat their calls right now. Do you have caller-id? If so, just don't answer any calls that come from a blocked, trunked, or 800 number. That's my rule of thumb. My friends and family know this, so if they happen to have a blocked number they leave a message and I call them right back.

Thanks guys! That's what I thought I should do-but I like to run it past you all first! I really depend on you guys!!

You are welcome- let us know what happens!..Karen :D

I would defintely talk to your company again and stress to them the importance of taking care of chase as they are calling you wanting payment right away. After all you are paying them to handle this for you.

ladybug

Definately make sure that your debt consolidation company takes care of chase, they can be some nasty buggers to deal with. I would ignore the calls until they receive the proposal from the company you are working with. You hang in there, soon the phone calls will stop and you will be on your way! Come here and vent, we are all in this together, this is a great place to get advice and support as you are working through this.

Absolutely! I have been here more times than I can count to get advice. It really helps and is reassuring to have someone confirm that what you are doing is the right thing. I know it does for me, anyway. :-)

Thanks guys! You all are awesome! I ignored the calls. They are about once every 4 hours, so its not bad. Just keeping my phone on silent so I don't hear them :)

You are right though...I am paying the company so I'll let them know what's going on with Chase!

That's right. Make them earn their money. That's what they are there for. :-)

I don't see why they can't call Chase!

As of Sunday I'll be 90 days behind. Just don't want to get sued.

I don't think they would be able to sue you at this point. I think it is too early. I read somewhere that it typically takes 180 days for them to start contemplating anything other than reporting you to the credit bureau. By that time your consolidation company should be able to get things straight for you. The phone calls are what is so bothersome. I get super paranoid and hate talking to ca's. It just anerves (sp?) me! :-)

Me too!

Being in customer service myself, I always try to be chipper & happy. People call my work in a panic over car insurance & I find being happy and nice works the best. I wish collection reps would at least be NICE. You can be nice & be firm about what you are saying. I find them to be just mean!!

Talking to Chase is like talking to your parents when you are little & you did something bad. At least Discover understood I have no money for them...Chase makes me want to cry!!

You are so right, LeeLee. Being nice goes a very long way. You can absolutely be assertive and courteous to others. In my opinion, you probably get far better results with that sort of attitude.
I know what you mean about Chase. They really are condescending. I don't know how many different ways you can say, "I can't pay you right now!" I apparently didn't ever say it the right way because until I changed my phone number, they didn't stop calling. I haven't done settlement or anything yet, because I haven't been able to afford it. I hope to do that soon, though.

I hope you can too Eleroo!! They are just ridiculous.

Being nice definately works, people don't intentionally put themselves in these situations to owe debt, stuff happens. I think being nice is a little more comforting to the person on the other end of the phone. I have settled three of my accounts because of the customer service skills and of course having the extra funds to do it. But if someone is a jerk to me, I am more inclined to hang up on them then to cooperate. I mean these situations are stressful enough with out some moron power tripping on me. I think collectors work on a commission basis. I was speaking to one and heard all this clapping and cheers, I asked what that was about. She stated some one had settled an account. That was with Van Rugh, they use teamwork and good customer service to deal with their accounts, when one is settled or worked out, they all celebrate. What a great concept. Sorry to rattle on.

Its ok Fed! Love to hear stories!! That really is a great concept though. If they are mean I'll hang up & try again!

Thats just me, There is no reason for them to get all nasty on you. It isn't like you borrowed the money directly from them or they have something personal to lose.

That's a good point! I never thought of it that way. I could see a bank or a person getting all nasty as they have something to loose.

Hang in there and let the consolidation company earn their money. Just don't answer the phone, keep your chin up, it will all be over sooner than you think.

Thanks Fed! This month is flying by with personal stuff going on...moving, baby stuff, hubby's family coming from Maryland to visit...but also is dragging because of the billings!