How To Stop Bothersome Bill Collectors?

[adam2636]

sounds good

good advice

[ProNotAnti]

lmao that is exactly how they are

[sniffy6999999]

Nice one willi ,tho I'm in Scotland and the law is a wee bit different, it is good to know how to handle these people.

[xenophics85]

I didn't know debt collectors sounded this ghetto

[thelicensedcpa]

@xenophics85

you must be from the ghetto to recognize your own.

[xenophics85]

@thelicensedcpa No I work for a correctional facility and I know how jigaboos sound

[Kedzillion]

@xenophics85 No, you're just a jigaboo yourself. You don't work for no correctional facility, you're just a nigger that thinks with his dink. That's the Real Reason why you're too stupid to figure out that damiion666 is lying about "rape producing more pregnancies statistically" because "nature intended rape to turn you on".

Just a couple of niggers pullin' bullshit out of their asses to promote rape.

[bc1969214]

Doesn't sound like she did the mini-miranda, a FDCPA violation.

[geehuckwow]

Soon's i get my $750 Billion, I'll write a check, plus an extra $100 for your trouble.

[forthecause]

She was reading a script. Brand new collector. Sounds too perky lol. She should have listened to what you said, noted the account, told you needs to be worked out but can give you some time, and asked when you could come with a payment this month to prevent further fees. That way, you get more time and they get something. Anyway, be careful with the cease and desist letter on balances 1k and over. They might bring it to litigation. - Peace

[htool11462]

It's called the Fair Debt Collection Practices Act. This is a good tactic for people who wind up in unforseen circumstances, but unfortunately this method is used mostley by irresponsible dipshits that dont want to pay back money they owe. And... if you demand they cease & decist, by law they have to, but you might end up getting your ass sued, of which you fail to mention. Better to work with collectors if you owe it than to be a professional debtor.

[chubbycheeks9193]

@willi493 You're cute!

[Guynamedthomas]

No shit it's fake dumbass, he's doing it as an example. I like the video, but the quality was so low I had to stop watching it.

[Nomix7]

this is fake, his sister is in the other room just reading her lines

[WonderWomanFan4life]

that was a professional way to handle it. no since in getting upset and rude. ask them to debt validate

[WonderWomanFan4life]

sounds like she is in the next dam room

[pr9nkaholic]

Can your enterprise buy a better camera?

[iamadebtcollector]

this is fake! hahahaha! we dont just disclose account info without verifying if we are talking to the right person. Make sure that you know everything, you are so funny!

[kaos3124]

I used to get calls like this. I was cooperative in offering to accept blow jobs from the creditors.

[whitenightf3]

Sounds like your bird in the same room LOL

[icecoldveins4u]

@closetconserative i might like it too much

[icecoldveins4u]

ive been a bill collector for years and i hate irresponsible people. theres no excuse for credit card debt whatsoever. its not the collectors fault you went out on a shopping spree then cant pay for it. i can understand medical bills. shit happens and alot of people dont have ins. thats understandable. but people who refuse or cant pay credit card bills are just flat out deadbeats. no excuses. its simple........if you cant afford to pay for it, DONT BUY IT!!!!!!!!!!!!

[bellazara20]

@icecoldveins4u I agree about the personal responsibility part.. but most people that are sick or had a medical problem go heavily into debt to pay their co-payments, medical procedures and medications! I used to think about the financial responsibility in a different light untill I saw how responsible the banks and financial institutions are>>> Bailouts anyone???

[htool11462]

@icecoldveins4u  Word!

[calmedcooledMI]

Here's the thing...it's not harassing, and ceasing comm does not mean the debt goes "bye bye" deadbeat. DCs are consumers also...we have bills too. Keep people emotionally under control? LOL What about accepting ownership for the lines of credit you opened and ENJOYED and spent up? Now, it's time to pay up and you're fckng whining? You can barely speak clearly and you're giving advice. Stop misleading with your tacky video.

[WVTech212]

It's called the Fair Debt Collection Practices Act (FDCPA) you can lfind more information on it at the Federal Trade Commission's website

[roberts459]

To all those who commented that if you have bill collectors calling you should get off welfare and pay your bills you don't know jack. I lost my job after a work accident it took 5 yrs to get the company to pay my medical bills. While waiting those 5 yrs I had bill collectors calling me demanding money threatening to sue me and I kept telling them it's a work comp mater call my lawyer I finally had to have my lawyer call them to get them off my back. BTW they got paid as promised by work comp.

[NorthmansChick]

whack

[fatsteve0]

fake

[xmenrus]

Wanna stop bill collectors? Ask them to send you a copy of the contract (evidence of indebtedness.) There is no contract and without a contract there is no obligation to pay. The courts are all about CONTRACTS! Collection agencies are all a scam.

[efreaky65]

debt collection agencies are sooooo heavily regulated that the ones who break the law will not be in business much longer. Yes, people should go after those bad apples but someone needs to post a video on the good agencies just to be fair. I've spoken to people and treat them with respect and work out solutions to repay a debt and alot actually thank me for calling them.

[mshafer1021]

@efreaky65---are you seriously in that line of work? You have no human soul !!! You have no red blood coursing through your veins. Let me ask you...from where does the money come to fund the credit cards? Is it backed by the gold reserves at Fort Knox? No, it is printed out of thin air when someone applies for a credit card...the application itself is monetized by the signature, whether or not the application is "approved." That is why dept. stores are really big on credit "applications"

[efreaky65]

@mshafer1021 ---stop blaming collectors for your twisted monetary views will ya?

[mshafer1021]

@efreaky65---My "twisted views?" Dude, you need only ask the Federal Reserve how money is created !!! Explain why Article 1, Section 10 of the U.S. Constitution states that only Silver or Gold may be used as monetary tender !!!! Are you going after people to collect gold coins? I think not !!!  Goodness gracious man...I'm not the one with the burden of proof for my views, you jackass. Get educated!

[18wheeler76]

you can have them stop calling by getting off welfare and pay your bill

[alphabeets]

Cool. So I can run up as much debt as I want, then if I send the creditor a letter I can just tell them to stop calling me and not have to face my obligations. Cool. And I thought had to pay back my debts. Silly me.

[lstguy22]

Im a bill collector as well... a cease and desist letter is probably not the best choice because the banks can take legal action at that point if they choose... Most financial institutions have assistance programs which can lower payments/interest rates in today's economy... If you weren't smart with your finances and have run up thousands in debt you do need to take responsibility and pay your bill... It doesn't take much effort to stop the continuous phone calls...

[Darkenroom]

@lstguy22 If you are truly a debt collector then you surely know that the alleged borrower create the fund with their signature; the debt is a ledger entry on a computer screen. the bank has loan none of it's assets and risk nothing.( see ) MODERN MONEY MECHANICS ( publication put out by the Chicago Federal Reserve Bank ) the loans are created at the signer's PROMISE TO PAY out of thin air!. Also see video called MONEY AS DEBT. Your statement may be valid for credit unions but not for all banks.

[Darkenroom]

@lstguy22 If you are truly a debt collector then you know that banks don't loan out it's asset and that the alleged borrower creates the fund for the loan at their PROMISE TO PAY, the debt is nothing more than an entry on a computer screen. See MODERN MONEY MECHANICS ( a publication by The Chicago FEDERAL RESERVE BANK banks risk nothing! The person's signature mortises the so called loan application! and that's how the " Loan " is legally created. only the bank don't tell you, now that's fraud!!

[trentodd]

just change your phone number problem solved. sending a letter will just make them pass the debt off to another collection agency then they start calling, ect

[Nin10doking]

hey all i am inviting all people who hate telemarketers/billcollectors to call this number and say to stop calling the wrong number for louella

18666673341 ext 3011

[wpderon]

The Federal Fair Debt Collection Practices Act worked for me when i brought a claim

against a title loans company and won. for calling repeatedly in 24hours time frame when i went to title loans company and explain my problem before hand, gave up my right in beginning to car .but title loans company want take car from me like repo

[djb0110]

I want my 700 billion back mr. banker person

[greyfox37]

Does anyone who takes out more than 50 grand in student loans actually graduate from college outside of a medical or law degree and do they ever pay them back?

[roxcyn]

Trust me you're little mock call is about the standard of what I've heard. I have heard far worse (unfortunately) collection calls and they actually have some on here, too!

You have good advice, however sending a C&D letter to all collection accounts they could start suing for money. :( which wouldn't be good if you don't have any money.

[artiskent]

This is the silliest idea ever. This only stops phone calls. It makes more sense to take the calls and work something out. It isnt harrasing when you are calling your cousin that owes you twenty dollars that you need. Geesh...

[roxcyn]

Well, it's the law. It does stop phone calls but they can still sue (if applicable) and could still put on credit report. It only applies to collection agencies not to the original creditor.

[agentahron]

the best way and the right way to deal with a bill collector is to pay the bills. stick to the basics, instead of dodging your responsibilities.

[emmy6423]

to agentahron. listen to his message instead of giving your bullshit advice some people somtimes just don't have the fucken money why the hell can't people just understand that instead of dodging the fucken facts. in this shit world it's hard to be responsable if you don't have the fucken money.

[agentahron]

there lies your problem, you should've made ample preparations. you knew what was gonna happen if you miss your payments. makes me wonder though if you would be so forgiving and compassionate when it's your money that you're tryin to collect. don't hate your creditors when it's time to pay your bills, reason with them if you can't pay, if that fails, then it's not your failing anymore. make ample preparations, be financially prudent and ACT YOUR AGE AND WAGE.

[ryodeath]

I love how these fucking assholes are taking debt collector's sides on this matter like everyone who owes money is a fucking criminal.

No one robbed the fucking bank that gets a phone call to pay back an amount of money.

[davidxx00]

cont...

Be on the Offense...

you then say...now that i have you on the phone JULIE may i interest you in one of our products and or services. all it takes is 3 minutes.

Then push them fior their credit card or routing number...trust me...they wioll STOP calling...!

[agentahron]

and how is this gonna help in lowering your debt? such tactics doesn't really help you in the long run and it says a lot about your character.

[davidxx00]

Bill collectors used to call me. It's really easy to stop them from calling

Answer the call...say...thank you for calling -place fictitious business name here- this is -place fake name here- how may i assist you today.

bill coll asks for name.

you then say...

the person you are looking for is no longer employed here. please remove the number you dialed from debtors profile.

it's that simple...and it worked for me.

sound as professional as possible.

[YKAEYA]

you have no responsibility to repay a second party tell them you have no business, contract with them. and hang up. the debt has been discharged by that point & these collectors will take anything they can get, they paid pennies on the dollar,& are paid by commision

[soulkryziz]

this is a good way to keep your bill bouncing around from call center to call center. this is also a good way to get sued by your creditor once they see you have no intent to pay. if you really want to stop bothersome phone calls from bill collectors, pay your bill. its simple.

[emmy6423]

to soulkrziz , hear you go people another person with there bullshit advice to just pay your bills comment, it's easy to pay bills if you got the goddam money. try giving advice to people who have lost there job's and dicide to pay bills or buy food which would you do. instead of your crap advice why not help people, IT'S SIMPLE.

[emmy6423]

to soulkryziz. look you fucken cocksucker who works for a collection agency scumbag.i'm self employed and and have a crew of 20 you know nothing about me. if you don't like my comments then go fuck your mother, not everybody sits at home on there fat ass like you, maybe you should get out of your fucken ass out of bed and look at whats going on in the world instead of crying because you dont know who your father is so take this here advice, go fucken kill yourself.

[emmy6423]

to soulkrziz .or what ever the fuck that means ( sounds like your gay) is that the best you can do fat ass i still think your pissed off because your a bastard i don't give a fuck how old your gay ass is or how much your mickeymouse weight is .your broke and live with mommy. and your still pissed off because you can't get laid and you don't know who your father is you tinny little bastard. (MOMMY PAYS YOUR BILLS)

[soulkryziz]

not gay at all bro. me and WIFEY can only pray for you and your's. not about to go back and forth.

[riggvideos]

im a bill collector and this will stop calls not erase the debt. Just pay your damn bill!

[willi493]

It will stop you from threatening and calling people when they dont have jobs or income. Look at the world today. Noone didnt tell GM, Chrysler to pay their bills. They went broke and won the Obama billion dollar lottery.Dont give me that mess.

[calmedcooledMI]

@willi493 Everyone wants to blame the economy...how the hell do they think it got this way???????? Everybody's a part of the problem...it's not just the big business's fault. People are so excited when they get a cc in the mail...they shop ...don't read the fine print...then fall behind and complain about interest. give me a break!

[neoarcadezr]

@willi493 oh man what a great reply to this asshole(riggvideos) you are awesome

[WonderWomanFan4life]

@willi493

yep if they want their money they should take smaller payments longer term from customers.stop charging so much dam interest.. where is OUR dam bailout or at least a coupon

[BrianEaZy]

a `bill collector`is nothing but a stupid call center job, done by highschool drop outs. it`s a demeaning and stupid job... GET A REAL JOB!

[drod0886]

Your life sucks

[wkruk1979]

if you file bankrupsy U MUST STOP CALLING u know that

[redneckpride4ever]

@riggvideos you're a bill collector? Then fuck off- if you ever call my house, you will get an airhorn blown in your ear.

[efreaky65]

@redneckpride4ever...spoken like a true deadbeat! keep up the good job.

[calmedcooledMI]

@riggvideos I'm a DC too...and ppl disgust me whining about DCs calling as if DCs don't have bills.

[DUDEfreestyle]

@riggvideos LMFAO, i bet you feel like an asshole now huh?..

[whitenightf3]

@riggvideos if you make a stand and know how the system works, you don't have to pay anyone a dime. I informed my bank I would no longer be paying anything to them. After two years of threats and they were getting nowhere fast, they wrote offering me this deal, we will slash your debt in half. My response was what debt I am God. Result no more contact from the bank. :)

[imperialvirus]

@riggvideos

I see this is an old comment.

However, that is exactly the reason people hate collectors. That attitude right there. It is not just because the dont wanna pay. They dont like the snotty way you people act towards them. Instead of telling this guy to pay his bill, you should go change your damn attitude. If you act nicely towards us, we may be more willing to just getting it over and paying the debt.

[NottaVictim]

Do it for REAL like I did!!!! Go watch MY video...I wasn't acting!

[rdingthisispointless]

...why is the person off screen pretending to be a debt collector, why not do this with a real bill collector?

[xdesertwolfx]

Got a credit card when I had a job. Lost my job, couldn't pay the bill. I've had this problem, as well. The woman didn't seem to understand what "I lost my job" means. She kept saying I shouldn't have gotten the credit card if I couldn't pay. I tried to tell her I COULD pay when I got the card, but I'm not psychic, and didn't predict losing my job. I ended up screaming at her, that based on her logic, no one should apply for credit, since no one knows for sure what the future holds.

[AlSuedeGreen]

Thats exactly correct.! Dont borrow money.... If you do, you have to pay it back...They dont lend money with a care in the world what happens to you.

[bandibreath]

These people don't care if you have a job or not. They just think that they can say whatever they want to, to you, just to get you to pay.

[soulkryziz]

uh...they can

[bandibreath]

No they can't. Some bill collectors have threatened to have people arrested, and one bill collector threatened to have some person's child kidnapped if they did not pay on a bill. It is against the law to say "anything" to a consumer. Some bill collectors have been sued, and some even prosecuted.  No they cannot just tell you anything to anyone.

[willi493]

Thanks 4 all the comments good or bad. I here to witness to all that someone out there truly needed this information. Praise the Lord.

[creditwrench]

@willi493 No good information exists here up to this point. If you want valid usable information you need to visit Bill Bauer and his web sites. Check Google to find those. Bill is also known as credit wrench and has a web site by that name. It will teach you how to deal with your debt problems both in and out of court. It will teach you how to respond to debt collectors on the phone and in court and make them go away and forget about collecting anything. This movie tells us no such things.

[fistfirst1]

fair credit reporting....what? house nigger

[greyfox37]

Yeah, get that letter and make the bill rack up. Good job

[nanlisa]

Didn't she hear what he said? Both he and his wife were out of a job and he was about to lose his house. How can he pay back a $2500 debt when he doesn't have the money? Why is she insisted on making a payment when he doesn't have the money?

I could never be a bill collector. I'm very sensitive to people who are in debt. If I were Deborah, I'd tell him to just simply pay when can, and when he can get back on his feet again.

[greyfox37]

The problem is, you can't be sympathetic, empathetic yes, but you have to understand that if problems arise, you have options before you go into debt to work with banks and so forth. Never ever take out more than you can chew and if a problem is about to come up in your life, whether sudden or expected, call the right people. I find it funny how the collectors are seen as evil when it's the consumer's fault 80% of them time

[dudeofopinion]

I have tried it your way, banks aren't willing to work with people having financial problems.

And it's not that collectors are evil, they just seem deaf half the time. I have no money means to a collector, that there's money for a payment plan. Or, I lost my job means I'll have enough money in two weeks to post-date a check.

I think you better recalculate your 80% estimate too. Maybe where I'm missing something is that collectors aren't people or they think debtors aren't.

[zombiejlt1]

Again, don't take out more than you can chew. If you have a bad history of not paying things back or you're not a good employee or the economy is shaky, don't do it. It's common sense and when I was in debt, the bank forgave a payment, pushed one back once, even got me a better deal until I got into my IT career. I have been in between jobs, on starvation salary, and so forth, but I've got friends, relatives, and I don't let things ride like you do

[dudeofopinion]

Well, you are mistaken in your assumptions.

That aside, I can see the benefit of your advice and I agree for the most part. However, this Darwinian approach to unfortunate circumstances shows that you lack human compassion, and also that you are not grateful for your fortunate circumstances. Not everyone has what you had. Instead of putting yourself on a pedestal, you should be thanking your lucky stars, and if you really believe that you've figured something out you should be helping people.

[willi493]

I have been helping thousands of people. I have written several grants for home heating cost and safe schools. The two grants were in the sums of 317,000 and 850,000 for my community. The only way to receive blessing and for me to live my life fully is helping others.

[dudeofopinion]

I was very confused by this response. I wonder, did you think that my comment was directed at your video? It was intended for zombiejlr1. I know your advice is solid.

Conversely, those saying don't get in over your head, make a point as well, but they ignore the fact that someone who is beyond that point is still human and deserves some compassion. I have no patience for those who can ignore the suffering of others.

[drod0886]

"don't take out more than you can chew"

I hate that argument. I lot of people had jobs that could easily have paid there bills but they lost that job. No one here is fortune teller. Using your argument and common sense no one should have a credit card.

You're a lucky person who has relatives and friends with money but were not all that fortunate

[greyfox37]

Then go out and make friends and stop playing WoW

[drod0886]

I have plenty of friends and unlike your circle jerk star wars conventions, females make up a good percentage.

Loser, what kind of person takes the side of banks? That's like rooting for dealers at casinos. I don't care if it's deadbeats who can't pay. Banks screwed themselves for lending. Our money will bail them out. Might as well take your share back.

[greyfox37]

Chat rooms don't count, sorry. I can't believe you're letting a complete stranger who is making a mockery of you get to you like this. Don't you have anything better to do than get all upset by a "troll?" Why don't you go bang one of those chat room bitches while I go and jerk off to one of those blue skinned aliens since I apparently am a Star Wars geek.

[drod0886]

I'm not upset, I like picking on scumbags. Not really my goal.

I'm just trying to follow your logic on why you would defend banks but you said you're a troll so that should be enough.

Apparently you have nothing better to do with your life either since your responding at 3 in the morning and on your laptop whacking it to gaping anus porn. I'm at doing this on my work break minus the porn.

Kill yourself.

[crazypete3]

fucking runescape dickface

[greyfox37]

I'm sorry, I don't play MMOs and my dick is between my legs, but thanks for playing!

[crazypete3]

@greyfox37 its MMORPG artard

[greyfox37]

Right, where you can obviously pretend to be someone who doesn't exist, yet is actually better than you are at having a life, that's what astonishes me

[crazypete3]

exactly, thats what i try to tell everybody

[greyfox37]

Thank God, finally someone on here can take a fucking joke. You're all right, heh

[jaz7471]

Thanks for your video from jay in UK it helps me with my stress of them wankers!

[Catt85]

This doesn't pertain to 1st party collectors, mean, if you borrow money from a bank or credit union and it is the same bank or credit union calling you they are called 1st party collectors. Once it goes so far past due on an account it is sent to an outside credit agency and they are considered 3rd party collectors, then it it feasible to send them a letter requesting to cease the calls. :o)

[imaguglielmo]

here is a solution....don't use money you do not have! excuses excuses....

[joe2122]

Tells these rich c.e.o.s to stop collecting bonuses and kick backs when there laying off there employees.

[trustusyeahright]

how to stop collection calls= pay your bill

[Lemondrop21007]

She does not even need to be that rude, you have the right not to talk to her.

[willi493]

We have people loosing jobs, banks getting trillions of dollars, and a government that keeps borrowing money from other countries. Pay the bill ok. Tell that to someone who as lost everything!!

[AmbientMusic]

Good Advice! Thanks.