The difference between irresponsibility and circumstances

Date: Sat, 01/07/2006 - 08:03

Submitted by Jedi Mistress Ari
on Sat, 01/07/2006 - 08:03

Posts: 2192 Credits: [Donate]

Total Replies: 117

Hi everyone,

As I look thoughout this forum, I see other collectors stopping in as guests simply to lambaste the debtors in this forum, calling them deadbeats and scolding them for being debtors. Then they go on to defend the collectors being complained about in the forum, the ones who use illegal harassing tactics in the name of recovery.

Like I stated earlier, I did not crawl out from under a rock one morning, traipse into a collection agency and have a job handed to me. I know how the world functions. I approach each debtor with an open mind. After all, I don't know them from Adam, therefore I can't determine why they are in debt until I talk to them.

There is a great difference between being caught up in circumstances and being completely irresponsible. This something each collector must be aware of.

A perfect example of a very unique circumstance is the one being experienced by Mom of Twins, a forum member. She is a hardworking family woman who had been robbed blind, and then ridiculed by the original creditors. Now the collectors who call her are treating her like an irresponsible oaf! Where is the open-mindedness in that?

Statistically, I would say that roughly 25% of the debtor population are the truly irresponsible. The other 75% consist of people like Mom of Twins who have been ripped off, people who are newly disabled and have settlements pending, people who have been unemployed since their default date and still searching for gainful employment, and people who have disputes against the original creditors for reasons of their own.

A perfect example of an irresponsible debtor is the person I called yesterday. She had defaulted on a credit card. Why? Because she got pregnant and quit her job! She was not married, and had three kids. So she basically blew off her original creditor. This is the very definition of irresponsibility! People like this who do not think before they act, and who do not make sure all loose ends are tied before having children. Of course, she was angry with me for putting her on an affordable six month payment arrangement! This really is the limit of my compassion, people who do stupid things like this!

Another reason why this situation irks me so much is because, for the past 50 years or so, we women have been busting our **** to prove ourselves in society and in the workplace. Any woman who can take on the challenge of career and family, more power to you! But women who shirk financial responsibility in the name of motherhood, and possibly going on public assistance to boot, are disastrous to our progress in gaining full equality. It hasn't been attained yet! No female President yet! Still no equal pay for equal work!

Overall, sometimes everyone has huge problems to overcome, but shame on us if we create these problems for ourselves.

[color=Red]****Adult term removed - Jason[/color]

Yes it is. And to think, when I got a call from them asking me i

Yes it is. And to think, when I got a call from them asking me if I was still interested in a position with them, I said "Yes, very much!" and now I'd rather go have a few teeth pulled than go back to that office!