irritating phone calls

Tell that bills collector you are not able to take calls at work and no longer contact you at work. If he says he he will continue tell him you will sue him under the Fair debt Collection Practices Act. ( know your rights) If he is still foolish enough to call you at work call a lawyer. Be sure to write down the name of collector who called, time of day he called, and the company he works for. You will need this to show an attorny to have a case against the collector.

Bill collectors get paid commission and they have quotas they have to make. The meaner the bill collector the more mony they make. By the way you can also send a cease and desist letter to the 3rd party collector and they have to stop contecting you call together. I am a professional debt arbitrator as well as a financial counselor. If you have anymore questions I will be happy to help.

What I meant to type is that the 3rd party collector must stop calling you altogether once they receive a cease and desist letter.

While you are at it, send them a debt validation letter to make sure they own the debt or have contracted to collect the debt that they are harrassing you for.

DO NOT let this jackass intimidate you! That is how they work and they think that is what gets results. Yes, it might work with some people, but talking down to someone is not the way to get to the bottom line. Definitely send the cease and desist letter and whatever arrangements you end up making--stick to them, so you won't have to put yourself in the position of listening to this clown again. I have dealt with some real jerks and some very pleasand collectors---hopefully next time you won't get a creep. Good luck!

Oh my gosh, this sounds like the jerk I spoke to last night from our mortgage company! His name was Eric and he was a jerk! He told me he was calling to get a check over the phone for the $3000 we were behind. Told him that I did not have $3000 at this time and could not do a check over the phone (besides that, it was going to be an additional fee for a check over the phone). Told him that we were planning on getting caught up by the end of the month and that as soon as we got our tax money in we would be sending out one payment and then again toward the end of the month when my husband got paid because we still had to take care of our utilities, car, insurance, phone, etc. He asked my why we were behind and I explained to him about my surgery last year, the payday loans, etc (not like that wasn't already in the notes!!!!!), and boy did I get berated (sp) for the payday loans that I should have known better and that was a dumb thing to do on our part.... I told him that hind site was 20/20 and that sometimes people get in a situation where they are desperate and do what they think will help them out without looking at the long term. He said that maybe we were not responsible to have a house and the mortgage payment should be the first priority over anything else. He said that if it did not get paid soon, forclosure proceedings would start and then I would be out on the street. I told him again, that we were planning on getting caught up by the end of the month and then all we would be due would be for April. Told him we were also trying to get things situated so that we could start having part of the mortgage payment pulled from my husband check every payday and then we would not have to worry about it. He informed that we should have done that to begin with. Again, I informed him about hind site. Then he proceeded to tell me that I could expect more phone calls until we were caught up and that to be forewarned that it will probably be more than one a day. Told him that I knew that because sometimes they call 10 times a day and that sometimes I could talk to one person and then an hour later get another call and would have to repeat myself all over again. I asked him if they read the notes and he told me no that that was not their job, their job was to get the money owed and it didn't matter what the notes said. I told him they could call, but we were not home very often and when we got home, we did not answer the phone very often due to being tired. He said "right....heard that before". Then he said not to forget to pay and have a good evening and hung up. I think all these people go to the same school of RUDE! This sounds really bad, but I sure hope one day these people who call and harrass others find themselves in a similar situation and find out what it is like to be treated like crap! No body should be treated like they are not worth anything and made to feel like they are stupid. I wanted to slap this guy I talked to so bad and everytime I read on here someone else being treated like crap, it just ticks me off and wish bad things on the collector. I know it is their job to collect past due debts, but you don't have to be mean and hateful about it.

Sorry for ranting, it is already a bad day and I am in a really bad mood!

I would call back your mortgage company and ask to speak with his manager just to let them know what type of behavior this employee uses in his collections. Even better, write a letter. Nothing a customer service employee does not want is his name in print for being rude.

I had called them this morning and guess what, there were 3 people with the name of Eric working last night in their collections dept! I did not have a last name, because these people do not give it out (not allowed to). I asked if they could look at then notes to see who I spoke with and all it says is, yep. Eric! Also in the notes, it said I WAS RUDE and did not know when I was going to be able to pay this and that I "admitted" to ignoring calls from them, (which I do, but did not really admit it)! I told the supervisor I spoke to what I had told the guy last night about the taxes and such and asked to make sure it was in the notes. He read what he wrote back to me. He did say he would see what he could find out and that it is very unusual for their collectors to be rude. That this was the "first" complaint he has had on them. Yeah, right! I have delt with some of these people before and most of them are very rude and I told him that too. The a-hole had the nerve to tell me that if people like me would pay our bills like we are suppose to, then there would not be any reason for people like him or his collectors to have to be "stern". I said, whatever and a payment would be out when we got our taxes back and hung up the phone. I was so ticked off and was afraid I would say something I shouldn't. Sometimes I just feel like telling these people where they can shove it!

Oh, did tell my husband once we got things back on track and were able to refinance, we sure as heck are not going to go through these people!

Record your conversations. That's rather funny that he said that he would sue you. That could be one violation of the fdcpa there (ie, threatening some legal action, when he has no intention of actually doing it). In some states, such as Texas, violations of state collection law is also a criminal offense.

-I am not giving legal advise, and this should not be taken as such. I am not yet a licensed attorney.