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Forum » More General Categories » Misc. » I'm a debt collector, ask me anything
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Thread: I'm a debt collector, ask me anything

post 1445797973 06-04-2016, 12:29 AM
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Originally Posted By SonOfAesthetics⏩
We are legally allowed to call you up to six times a day to contact you. What most agencies do now is they have robo dialers that hang up once the call connects and yeah, its technically legal. Its successful though. What you have to do to stop that is mail them an official CEASE AND DESIST COMMUNICATION LETTER. After that they are only allowed to contact you one more time to let you know how they plan to proceed
What is the goal of calling someone with a robot and then having it hang up automatically? Just to annoy them?
post 1445798203 06-04-2016, 12:31 AM
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I've heard of highly illegal practice a lot of gyms do. When people cancel their memberships the gym says ok cool your cancelled and then secretly charge you bs 6 months later and sell it immediately to a debt collector to make money off you.

Op, what happens with those? When it truly is a illegal debt being sold to a debt collector company?
Keep rep trading out of your sig line miss
post 1445842473 06-04-2016, 10:15 AM
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Originally Posted By BrahPlease⏩
I've heard of highly illegal practice a lot of gyms do. When people cancel their memberships the gym says ok cool your cancelled and then secretly charge you bs 6 months later and sell it immediately to a debt collector to make money off you.

Op, what happens with those? When it truly is a illegal debt being sold to a debt collector company?
Its unethical but legal. You HAVE to dispute the debt in writing within 30 days of receiving your debt collection notice. If you dont do this, then legally the debt is considered VALID.
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post 1445859603 06-04-2016, 12:47 PM
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I swear the elites of the world must sit around and laugh at how stupid 99% are. The greatest con in the history of the world is the elites convincing the masses that debt and banking were beneficial to them. When in reality the only people it serves are the money creators (those at the top).

- Looking at all the 99%'ers in traffic court that cant afford a lawyer is depressing.
- Seeing all the misc'ers post about how awesome their rewards credit card is makes me want to face palm.
- People bragging about their new BMW they own (lol what) at 5% interest ... just wow.
- 99% of the people on this forum dreaming about being 100K/year CEO when the government takes 40-60% of that (half a years labor) in taxes to PAY OFF THE NATIONALDEBTCREATED BY MONEY PRINTING (BANKING) really just blows the mind.

- Fellow 99%'ers collecting debt from other 99%'ers ... truly is the icing on the cake symbolically.


My question to op:

How miserable and utterly helpless do the people you go after seem to be?
"There's a fine line between salvation and drinking poison in the jungle." -Gym Jones
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post 1445860003 06-04-2016, 12:50 PM
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How much does the world weigh minus the weight of outer Mongolia?
post 1445860373 06-04-2016, 12:52 PM
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Do you experience more poor people over extending themselves or more rich people?

I always hear the "they make a lot but they're up to their eyeballs in debt"
post 1445860563 06-04-2016, 12:53 PM
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But who was skip tracing
It is better to die on your feet, than to live a lifetime on your knees

a coward dies a thousand deaths, a soldier dies but one.

The odds are great
But my spirit is strong,
My faith unbreakable,
My blood is pure.
I SHALL ENDURE!
I WILL ENDURE!

the strength of a gesture, a thought with no voice
post 1445861183 06-04-2016, 12:58 PM
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Originally Posted By SonOfAesthetics⏩
The worst thing you can do is not speak to the collector.

Always always always answer the phone and at least try to work with them. My firm in particular doesnt like to litigate because our clients are mostly bottom of the barrel scum so we are VERY hardcore.

My best advice is to ask the debt collector who is implying at a lawsuit "ARE YOU GOING TO SUE ME?". Under the FDCPA Debt Collectors are not allowed to threaten to sue if they have no intentions of actually sueing you. Anything other than an outright yes means they dont actually intend to litigate and you can proceed accordingly
So if the answer is No, where do you go from there?
“That is not dead which can eternal lie, And with strange aeons even death may die.” - The Nameless City by HP Lovecraft
"The higher the prevalence of infectious diseases the higher the probability of totalitarian political attitudes."
-Dr. Jordan Peterson Sept 2017
"The search for a moral equivalent of war continues to define American Liberalism to this day."
post 1445862553 06-04-2016, 01:08 PM
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All you do is call people over the phone? Nothing else?
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post 1445865493 06-04-2016, 01:32 PM
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Originally Posted By faxanadu⏩
I swear the elites of the world must sit around and laugh at how stupid 99% are. The greatest con in the history of the world is the elites convincing the masses that debt and banking were beneficial to them. When in reality the only people it serves are the money creators (those at the top).

- Looking at all the 99%'ers in traffic court that cant afford a lawyer is depressing.
- Seeing all the misc'ers post about how awesome their rewards credit card is makes me want to face palm.
- People bragging about their new BMW they own (lol what) at 5% interest ... just wow.
- 99% of the people on this forum dreaming about being 100K/year CEO when the government takes 40-60% of that (half a years labor) in taxes to PAY OFF THE NATIONALDEBTCREATED BY MONEY PRINTING (BANKING) really just blows the mind.

- Fellow 99%'ers collecting debt from other 99%'ers ... truly is the icing on the cake symbolically.


My question to op:

How miserable and utterly helpless do the people you go after seem to be?
Debt creates growth. Tell me if I am able to borrow money at 5% and use that money to make 10% how is that a bad thing? How is using a rewards credit card and paying no interest a bad thing? You seem to have a severe misunderstanding on the industry.
post 1445866613 06-04-2016, 01:42 PM
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Originally Posted By SonOfAesthetics⏩
The worst thing you can do is not speak to the collector.
why?

cease communications letter

what you gonna do now?
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post 1445874753 06-04-2016, 02:53 PM
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#42
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why are you guys such a**holes? some collections agency called me yesterday and starting yelling at me about a debt i dont even owe. He was saying how my life is screwed if i dont pay by the 17th... wat
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post 1445875253 06-04-2016, 02:58 PM
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Originally Posted By RocknRollMuscle⏩
why?

cease communications letter

what you gonna do now?
well, if you care about your credit, then that will suffer. If you try to work with creditors, sometimes they can help you out and make some changes that may bump your credit score up a notch or two. I had surgery in 2012 and the bills came from so many different places. Bills came from the hospital, the doctor, the anaestesiologist, the radiology dept for the x rays right after, the Post op dept for whatever they give you (in my case, 5 injections of dilaudid, a lortab and a flexeril so i could get up and walk around), the billing office also had some fees thrown it, the company that owns the hospital sends a bill and the cycle never ends. I had to get a complete statement from my insurance company to track down everyone who was billed (and they dont say Dr Joe Shmoe...its like...NSa (neurosurgical associates) or somethign that requires investigation) and go from there.

then there are the NEW bills that arrive 8 months later. You literally drown in all the open accounts. you can make regular payments on a ton and there are probably some you dont know about until collections steps in
“That is not dead which can eternal lie, And with strange aeons even death may die.” - The Nameless City by HP Lovecraft
"The higher the prevalence of infectious diseases the higher the probability of totalitarian political attitudes."
-Dr. Jordan Peterson Sept 2017
"The search for a moral equivalent of war continues to define American Liberalism to this day."
post 1445875663 06-04-2016, 03:01 PM
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#44
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Was about to rage, thinking you work as a debt collector for hospital

But you live in Australia

Pls proceed...
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post 1445876083 06-04-2016, 03:05 PM
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Originally Posted By SonOfAesthetics⏩
Its unethical but legal. You HAVE to dispute the debt in writing within 30 days of receiving your debt collection notice. If you dont do this, then legally the debt is considered VALID.
Thats not legal at all. You cant just charge someone out of the blue $300 3 months after they cancelled and then a week later sell that charge to a debt collector cuz you know the customer would dispute it but by then its sold to the collector so the gym already made $$ by selling it.

And the collector would have a voided debt because it wasnt legal in the first place, so the collector would have to go back to the gym and get their money back they spent buying the fraudulent debt.

Thats a felony.

The good thing is i think credit cards with chips cant be defrauded that way cuz its not like they can charge it in the future.
Keep rep trading out of your sig line miss
post 1445876363 06-04-2016, 03:08 PM
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#46
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  1. triglyceride
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if they can't pay do you take their finger and/or eyes
post 1445877373 06-04-2016, 03:14 PM
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Originally Posted By SBrittonthereal⏩
Debt creates growth. Tell me if I am able to borrow money at 5% and use that money to make 10% how is that a bad thing? How is using a rewards credit card and paying no interest a bad thing? You seem to have a severe misunderstanding on the industry.
Why don't you take out a loan on your house and invest it into mutual funds then? The return on the mutual fund should beat the interest rate on the loan, what could possibly go wrong?
post 1445877933 06-04-2016, 03:19 PM
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Do you ever get sold debt that clearly was bogus and what do you do? Personal story - within the same company I upgraded my TV and internet service, they kept me on the old packages plus the new ones for 2 months, I refused to pay for the old package since they removed the equipment with it and had customer service confirm they'd cancelled it that night. They kept agreeing that I didn't have both services but wouldn't correct the charges and threatened to have collection come after me.
post 1445879143 06-04-2016, 03:29 PM
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Why do you harass the family of people that owe you debt? My uncle is in debt and his creditors call my cell phone looking for him. I've never co-signed any of his debts and I don't have anything to do with his debts, and I don't even know how they got my phone number. Why do I get harassed over debt I don't have anything to do with?
post 1445879383 06-04-2016, 03:32 PM
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which race do you hate the most
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post 1445881623 06-04-2016, 03:51 PM
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Originally Posted By Ikeman83⏩
How does it feel having to go through due process to get judgment before you can garnish wages?

Poverty as ****.
This was a serious question. I ask because I don't have to.
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post 1445883033 06-04-2016, 04:03 PM
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NEGGED.

Junk debt collectors are literally bottom feeders. The worst kind of human beings.
post 1445884653 06-04-2016, 04:14 PM
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Originally Posted By triglyceride⏩
if they can't pay do you take their finger and/or eyes
I think they take an ear, dip it in platinum and wear it around their necks as trophies like tim sharkie
“That is not dead which can eternal lie, And with strange aeons even death may die.” - The Nameless City by HP Lovecraft
"The higher the prevalence of infectious diseases the higher the probability of totalitarian political attitudes."
-Dr. Jordan Peterson Sept 2017
"The search for a moral equivalent of war continues to define American Liberalism to this day."
post 1445886663 06-04-2016, 04:29 PM
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Originally Posted By TexasMajor⏩
NEGGED.

Junk debt collectors are literally bottom feeders. The worst kind of human beings.
So its ok for people to spend money they dont have and its a crime for people to collect the money that they legally have to pay?

Strong logic bro.

Negged
“That is not dead which can eternal lie, And with strange aeons even death may die.” - The Nameless City by HP Lovecraft
"The higher the prevalence of infectious diseases the higher the probability of totalitarian political attitudes."
-Dr. Jordan Peterson Sept 2017
"The search for a moral equivalent of war continues to define American Liberalism to this day."
post 1445887913 06-04-2016, 04:39 PM
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I have been getting called on and off by a debt collection agency for two years for a 22 dollar "past due bill" from a cable company, that I absolutely paid and I have a receipt for (they tried to **** me before so I always save their receipts). Every time they call I ask to dispute the claim, I follow up with the company, and inevitably it still somehow lands back in collections like 3 months later.

How the **** do I get these pahggots off my back? I will pay the damn 22 dollars but I refuse to have a debt collection on my credit report.
post 1445888493 06-04-2016, 04:43 PM
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post 1445890263 06-04-2016, 04:58 PM
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#57
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Originally Posted By tank2003⏩
So its ok for people to spend money they dont have and its a crime for people to collect the money that they legally have to pay?

Strong logic bro.

Negged
Trying to collect money is one thing, but harassing the family of the people that owe you debt is when you turn into a piece of ****.
post 1445890973 06-04-2016, 05:04 PM
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I have no sympathy for the kinds of clients that op is probably calling on the daily. But i struggle to see how firms like yours make money.

What's your collection % rate? Since you can't get blood from a stone it must be abysmal, so after overheads etc, what profit is left?

Are you buying the debt at a serious discount ?
post 1445892233 06-04-2016, 05:14 PM
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Originally Posted By tank2003⏩
So its ok for people to spend money they dont have and its a crime for people to collect the money that they legally have to pay?

Strong logic bro.

Negged
Im going to quickly address your complete ignorance.

Junk debt collectors will buy ANY DEBT from the original creditor for cents to the dollar, then turn around and try to collect the full amount from the person. They will even attempt to collect on debt they know is illegitimate. Plenty of case law on this. Many collectors have been sued in the past. They are bottom feeders.

Now go shave that stupid ass beard off your fat face. Dumb fuk
post 1445899483 06-04-2016, 06:10 PM
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Originally Posted By Brad155⏩
I have been getting called on and off by a debt collection agency for two years for a 22 dollar "past due bill" from a cable company, that I absolutely paid and I have a receipt for (they tried to **** me before so I always save their receipts). Every time they call I ask to dispute the claim, I follow up with the company, and inevitably it still somehow lands back in collections like 3 months later.

How the **** do I get these pahggots off my back? I will pay the damn 22 dollars but I refuse to have a debt collection on my credit report.
I think you have to threaten to sue them or if your local news does any kind consumer helper thing. Document everything, provide proof they've agreed it's paid and how it keeps coming back.
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