A Funny Way To Get Rid Of Phone Collectors, And It Works!!!

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Further, if you read these forums, you will find that people often come here looking for a way to get out of paying their debts.... I have never seen the regular posters advocating anything other than taking responsibility for those debts and paying them.

No one wants to be harrassed by collectors. Many of the people who come here are non-debtors being harrassed by CAs. In fact, that is how I found this forum. My sister was being harrassed by a collector for a telephone bill for someone else. Asset Acceptance continued calling her - even cursing at her. The information I found here allowed her to get the collection calls stopped. It also allowed me to consolidate my debts and make sure all our creditors were paid as promptly as possible.

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Very well put Ari.

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No. Maybe you dont fricking get Ari. I do not see these collectors as being criminals. They are owed money. You may be the push over type that loans someone $20 bucks and after a couple of months writes it off, but these collectors have more balls than that.

How is it that what they do is "illegal" because the sensitive people in this country cried to their congressmen. However people can come up with ways to avoid the calls with some of the same tactics that are illegal for the collectors to use?

I do not think the majority of the people on this forum are deadbeats or dodging their responsibility. I do believe that this forum contains a few morons that want to cry about injustice, and then turn around and pull the same shit.

I hardly believe that collection agents caused people to commit suicide, but if they did I believe it makes the world stronger as a whole. Darwinism at it's best.

I am under the belief that consumers can learn more from dealing with hard nosed collectors instead of using a bullshit law to hide behind. Trust me if you owed someone money and they broke your leg for it, you would not make the same mistake twice.

And just so everyone is clear. I AM NOT TALKING TO EVERY PERSON THAT COMES INTO THESE FORUMS. THE ONES I AM TALKING TO KNOW WHO THEY ARE. If you have medical bills, that is a true debt. I do not believe that taking credit cards, cell phones, new cars, and other luxuries that you could not afford from the beginning should qualify as "debt". If these are the things you have to payoff than there should be no protection for you. These items are luxuries, if you cant afford them you should not buy them. These are the debtors I am referring to.

For those of you I affended I am sorry. For the ones described above.........things always have a way of coming full circle.

You are such a horse's a$$! You really think a collector who calls someone a fu**ing loser and says that they will be arrested and have their kids removed is just someone who has more balls? You clown, that's illegal!

And for your information, fathead! I have never been the pushover type! I have strong convictions of right and wrong! I have collected $34,198 in student loan debt in one month! I know a foolish excuse when I hear one versus a valid reason as to why someone is in a bind.

You think people should commit suicide? Well thank you for showing your true colors! People are people, sometimes they screw up and they realize it, what they need is guidance not lies!

There is nobody here with champagne tastes on ginger ale earnings! This is a forum of people who have either lost their jobs, their identities, or sometimes had to resort to desperate measures in desperate times.

People do learn from a$$hole collectors! They learn what is right and what is wrong in the fdcpa. Breaking someone's leg is illegal, over a little bit of money especially. Then a medical bill incurs, they are out of work and lose income, and nothing is solved. So tell me another one, Lenny Bruce!

Dear HAHAHAHA, judging by your writing, you are one angry and miserable SOB. HOW DARE you get your jollies by coming on here and flamming people who are truly trying to handle their debt in a responsible manner. Many people here have gone through what you have and many even worse.

Obviously you have been there, and yes you should be proud that you are taking responsibility for your debt.. but you need to realize that some people do not even have enough for food and gas even when times are good, then they can fall victim to evil things like payday loans, and predatory lending... The these are the people most vulnerable and those the law is suposed to protect. The only thing that separates those that post here and you is your anger, you may have more in common with these people than you want to admit. Perhaps that is why your so angry?

That said, please refrain from your attacks on the character of the people who post here, it will not be tolerated.

A bill collector caused my mom to have a heart attack from the threats they were giving her and calling her up to 15 times a day. Might I add on a debt she has been paying on to the original creditor. HAHAHAHAHAH, are you a debt collector? If not why don't you reveal yourself?

Well since I'm in a bad mood anyway, let me add my two cents, MR HAHAHA. First of all, you are hiding behind "guest" status. You talk about balls but it seems that you have none. If you think we are whining, go elsewhere. We won't be broken hearted. If you have truly been in the debt cycle, I would think you would show more compassion but it seems to be that you are probably a person who works for one of these scavenger collection agencies. There are laws in place for a reason. Did you ever think of that? How about I call you and harass you? No, I don't think you would like it. Why don't you just shut up and leave us alone.

[quote=JJ]I think perhaps this threat was intended to be a bit of comic relief[/quote]

Exactly! Like ???Five ways to ruin your credit??? by Shirley.

I wonder how furious collectors are when consumers plan to do something unfair. Then just think of those consumers who are tortured by ill-mannered debt collectors through out the day.

Most surprisingly, they think they can break legs if the debtor defaults. This is really frustrating. If the debtor is running away from responsibility, legal actions can be taken against them. But that does not mean collectors can physically attack consumers.

Where are we going?

I am not a collection agent. I am, however a person that has been in the "cycle" as you call it. I have dealt with so called "illegal" collection agents.

Ari-I know that the practices that are used are classified as illegal. The point I was trying to make is that I do not feel these laws should have been passed as they are not fair to collector or the 1st party creditor.

JJ- I have had many things in common with most of the people on this forum. But, when I had my debt I NEVER dodged a phone call no matter how brash the collector was. I was a man and did not hide behind tricks or gimmicks to buy myself one more day.

Mishele-If I owed you money I believe you should be able to use every means possible to collect that money from me.

Stanley- I DID not know how furious collectors might be about consumers that dont pay, until I read the forum. After reading this forum I put myself in the collectors shoes and I think I understand how they might feel.

I understand that these laws have been passed and that collectors must follow them, however I do not feel these laws are fair to the collector. I believe what makes it worse is that a forum that supposedley encourages people to take care of their responsibilities would have a page describing how to avoid collection calls.

I cannot believe that there are this many gullible people on this planet. If a collection agency threatens to take your kids, or garnish your wages for a payday loan or cell phone bill, or if they threaten to take you to jail..............call their bluff. If you honestly believe they would go through the financial trouble of doing this than I am not sure if gullible is the word. But why imploy a cheap "illegal" tactic to avoid the call, or did you not realize that if you say you are recording the call you must actually be recording.

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I dont mean to put people down. I just use a different form of education.............BRUTAL TRUTH.

I should have realized if people cannot take collection calls because the language or whatever, than how could any of you ever handle the truth that I provide?

See what I mean.... You put people down to make yourself "look" better or as you like to use the "BRUTAL TRUTH" you are a bully.

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I believe if a collection agency calls you, and you tell them this call is being recorded to keep an accurate record of the conversation and continuing to talk will be considered consent. If this is an honest collector, they should have no problems with the recording. I believe the dishonest ones will have problems with being recorded.

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So HAAAA, you dont think that if a collection agency steals your SSN, lies to the credit bureau and destroys yopur credit so that you cant get your school loans and two years later sends you a fake bill demanding money or theyll take you to court at your expense, and your house and put you in jail is illegal? I spent 3 years wondering WTF when I couldnt get a low limit credit card, my last year school loan, car loan... I figured for some reason @ 15$/h I wasnt making enough somwehow untill my bank finally told me that collectcorp lied to the credit bureau. You think this is legal???

How are these laws unfair to the collector?
and whether they are fair or not, they are the law and should not be violated. In fact, if you think about it and as a business owner who once in a while needs to use collectors, I worry about collectors who break the law becasue they open my firm up to liabililty. The collection laws work quite well when followed, and honestly they are not hard to follow. greed is the main reason they are broken.

Furthermore, the TRUTH is a beautiful thing and is never brutal... HA, what you call the truth is nothing more than your own jaded opinion apparently devoid of compassion for others and lacking anything remotely resembling a sophisticated understanding of the world in which we live.

It would be nice if the world was really as black and white as you seem to see it, but it is not.. perhaps someday you will wake up and see the world from a more panoramic view, expanding your tunnel vision of how things are.

Good luck in life

Nicely done JJ! Ha, you are impossibly outnumbered in your narrow views. Now wave bye-bye!

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I've been thinking about what HAHAHA has said. I think we have made his day by responding to his senseless postings.

Kerri,

I agree with you one hundred percent.

Hey guys, I've been gone from these boards for a few days and am trying to catch up. I really agree with (Tammy) said and I think this jerk was just trying to get a rise out of everyone and I guess he succeeded. We all know we are honest hard-working people who have made some bad decisions and are now trying to recover and pay our bills. Let's ignore the bashing and name-calling and stick together to help each other. I know I've gotten some great advice from some people on here I've never met and may never meet but I consider them my friends and will do whatever I can to help them out. I know there are others that feel this way also. Things will get better but not by arguing with some jerk trying to make himself look smarter than us. :roll:

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I agree too. I was having a bad day yesterday and needed to vent :cry:

Ari, the terribler thing is is that these laws are not being followed, and when you report them nothing is done unless you can afford to sue the a$$h0l3s. If they are accually contacted about their fraudulent activity, they eventually call the credit bureau and remove their b/s info and thats it. Youre not reinbursed for your umteen long distance phone calls, your suffering when your life is screwed fgor 2 years, the harrassing calls from collectors who are lying ( in my case the middle of the night because I worked midnights). What about the availability or our SSN? Why do they have the right to have that on file? WTF did they get it?
Noone pays for these crimes that are committed ( excetp maybe the people who dont realize they are bieng scammed and accually pay the jerks).
If a collector is found to be illegally trying to obtain money they should be charged the same as anyone else committing fraud and identity theft, but theyre not.
If I did what collectcorp did to me id be in jail.

That is a tragic societal flaw. Having to prove yourself to death when you're right, and always be the one-legged guy in the kickboxing match.

These crimes have been committed against you? I'm so sorry. I can't imagine a more harrowing situation. I hope you've contacted the attorney general. Even if you can't afford a lawyer, you do have people on your side; THe attorney general, better business bureau, federal trade commission, you can also write to your congressman, or even contact the FBI about this.

not only that if someone is low income, almost every state has some degree of ree legal aid. Guest, I would be glad to help you look into it

I am guessing that hahahahaha never had to deal with collectors that called you every day or several times every day. Or the ones that threated to have you arrested if you didn't pay by 2:00pm on the day they call. Or that call your employer, friends, and family. I also pay my bills, but got in over my head with several payday loans. And believe me no one knows better than me how stupid payday loans are. I tried working out payment arrangements with the loan companies, but some refused and sold or sent my account to collection agencies that did everything from threated to have the local sheriff's office arrest me if I didn't pay $1200 by Western Union before 2pm that day, calling my employer and my sister, calling me several times a day screaming and cussing at me while I was at work, and threating to confiscate my work computer since I had done the loan online. So unless you have experienced these kinds of collectors you really have no ideal how bad they really are or how scary the experience of dealing with them is. By the way, like most of the people who have come to this forum I had no ideal what they were doing was not legal or what to do about it. I have paid off my payday loans and am now in the black!! I want to say a sincere THANK YOU to all the kind people on this forum.

Good for you, Kathryn!! It is an inspiration to see that you were able to pull yourself out of the payday loan cycle.

~Mary

How fantastic for you, Kathryn! You showed them! This HAHAHAHA guy is so ignorant, he was saying that these vulgar, swearing, screaming and threatening collectors were in the right because THEY were owed money! Not true! Collectors are the middleman, nothing more.

Virginia-Legal-Defense

I have question for you about payday loans. Susieq

SusieQ,

If you want to change your display name, you can click on "edit profile" on the top left of the page and you can change it there. I get the impression that you want to be SusieQ :)

~Mary

They worst was the guy that when I explianed that I couldn't pay the entire amount due becuase my insurance was $1500 deductable and I had to pay $1000 before I could have a biospy to see if I had breast cancer, he told me they had good medical benefits in jail. What a jerk!! (By the way, no cancer) But again to everyone THANK YOU!! THANK YOU!! THANK YOU!!! Keep up the good work!!

Are you serious?! I would have to fight not to track that guy down in person and beat him senseless. How cruel and disgusting.

Glad for no cancer though :) We are glad to have you here. Have you registered for this free forum, I see that you weren't logged in. If you aren't registered, please consider it so that you we can send you private messages and such. :)

~Mary

Holy crap Katheryn..... THAT is disgusting. I swear, when these people go for interviews for collection jobs the only questions they ask is " on a scale of 1 to 10 how big of an a$$h0l3 are you?"
"tell me as many lies in 1 minute as you can"
" Is stealing or committing fraud from 9 to 5 monday to friday acceptable, or would you prefer the afternoon shift?"

Kathryn,

If I were you, I would file complaints against these companies for these types of harassment. A lot of states do not allow these types of threats such as using criminal threats to collect a debt. The more complaints filed, the better we are as consumers. I'm glad to hear that you have paid off your loans. I know it must be a good feeling. I've cut my down by 3/4 over the last month. I'm feeling much better about things. Please register with the forum. We'd love to have you here. :)

No State permits threats against debtors adn neither does the federal government

Amen to that JJ. They just think they can get away with it. There are a few of us here working to change that :-)

hahahahah. your ignorance is shining through
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I have found holding the phone out the widow of a locomotive while blowing the horn is also an effective way to get rid of nuisance callers.

Right on, Clay! Another way is like I said in a different topic, use either a police whistle, a blowhorn, or a whoopie cushion. If at work, just hold down the 3 key on the dialpad. Then they will know that they are out of line. Everybody has rules to follow.
For the record, I've been losing a lot of sleep just trying to think of ways to pay back my student loan debt as quickly as possible when the time comes. I've been thinking of tightening my belt for the next year and making a big first payment to get the ball rolling, I've been thinking about the stock market, 401k, the impending maturity date on my car loan, anything and everything possible to just get it done.

Ari, I would strongly encourage you to leave your 401K intact. I read somewhere that just $3000 in you twenties would mature to more than if you made large payments your last twenty years before retirement. I wish I could recall the exact figures.

that's the thing, I don't even have a 401k yet. I just don't want to still be paying college bills when I'm older than dirt, so I'm considering high-yield investments and savings accounts that may give me enough to pay it off more efficiently.

Ari,

I would advise against using your 401k. There is so many negatives against using it. The way the world today is, that may be all we have to rely on when it comes time to retire. I personally don't think that there will be any medicare or social security when the time comes to retire.

I heard that very same thing, that our generation will not be able to retire. I brought that up with my dad, who is very financially savvy, and he says that's ludicrous, they can't take away social security or medicare because then the government will have a big angry mob to answer to. We are just as entitled to retirement as every previous generation. Don't pay any mind to all that paranoid waffle, but no I won't use a 401k to pay a student loan if that's such a dumb idea.

I have a prime example. My grandparents are recieving social security and on medicare. This year medicare raised the premiums and they were getting $2300.00 a month combined and since they raised the premiums now they only get $1400.00 a month. By the time they pay for their monthly prescriptions, pay their bills and get groceries, they barely have enough to get by.

Oh! I knew that most elders without a pension plan or 401k are scraping by on social security. I never beleived that social security was a gold mine! I just know that they can't take it completely away. I thought what you meant was that there will come a time when there is no social security and we'll all have to just keep working until we keel over!
I am starting to see social security as something supplemental, not something to solely rely on, so i do see where you're coming from on this, pardon me for misunderstanding.