How to handle a collection agency on the phone

[unrealhit88]

He broke like 3 laws in just the first 30seconds

[GeorgeVreelandHill]

The economy is screwing everyone.

Even the debt collectors.

If people don't have the money, then not much can be done.

George Vreeland Hill

[screwsalliemaedebt]

How do you prove that he said what he said?  He may say he didn't. I understand we can't record them.

[Omego2K]

@screwsalliemaedebt You can record him depending on what state you're in. Additionally, in most 2 party consent states you can record him without warning if his call stated that it is being recorded by them. In 1 party consent states you can record him at any time.

[georgekaotik]

what if its not a third party? a first party collection department can sue you and even threaten you FDCPA doesnt apply to them. am i rite?

[willdav713]

I record all Telephone Trespassers and expose them on YouTube, and they stop calling because it hurts their operations!!!!

[chibiladychoi]

@willdav713 wow, lots of idle time huh?

[willdav713]

@chibiladychoi Yes even after 2 jobs, lot's of time defending the Constitution. Defending my property, my telephone. I did not invite them to call my house hunting for someone with the same name. So I expose them and post them online. I could sue every one of them, but that takes too much time, and paperwork to keep track of.

[shadowcreap]

FUCKEM ALL

[Catgirl356]

You should make an update video, complying with FDCPA regulations. This video does not comply. Collection agencies are closely monitored for compliance. Also: for reference- a collection agent will not call you out of the blue without having previously attempted contact through mail, usually via computer-automated mailers.

This country needs to get out of the habit of wanting to sue everyone! Pay your bills!

[willdav713]

@Catgirl356 This country needs to get out of the habit of predatory lending practices, robbing people blind with interest and fees. Bank of America CEO is living like Madoff once did, while the other peasants are underemployed and struggling.

[stromak]

Never Pay Again dot CO dot UK

How to deal with them? Call them up and have some fun! :)

[mattroark3]

garydn11234..way to record this video in the manner of about one half of one percent of collection calls are made.  You are no better then the worst debt collectors you Ambulance Chasing Shotgun sue happy ignorant fool.

[phwebbie]

@mattroark3 I notice that you only reply to Collection Call videos, whats wrong? Are these video's making it difficult for you to bully money out of people since it would appear this is what you do for a living

[artria]

people, stop making excuses for not paying. you used the card and the money it's time to pay back. And you mustache stop giving advise like you know something all you're doing is encouraging mediocrity. stand up and take charge of your debt and life

[twin1010101010]

@artria how about u jump off a cliff and die

[D0W666]

@artria why don't you read a book you goddamn ignoramus.

[genzigg386]

@artria you must be a banker,you will die first

[roxcyn]

The other advice you give is great. :)

[roxcyn]

My critique: First off, you say it's a debt collection, but then you have him say "to make your account current" and he says he wants $10 dollars. First if someone owes you $200 you would want the full amount, not just $10 dollars. 2nd you make it sound like he's calling from Sears which isn't a debt collection agency then. Also, if it is a CA then they would need to verify the person's name, and account information, and read the mini-Miranda. You did none of that in your video.

[blufx1963]

ding-a-ling, ding-a-ling,ding-a-ling, ding-a-ling,ding-a-ling, ding-a-ling,ding-a-ling, ding-a-ling, ding-a-ling,ding-a-ling,ding-a­-ling, ding-a-ling,ding-a-ling, ding-a-ling,

[riv2012]

Verification of debt is spot on - get DCA to prove the debt is between you and DCA.

DCA's are scum, not to mention idiots. They are actually doing you a favour - they purchase YOUR debts without your permission and then expect you to pay THEM.

At what point did you sign a contract to say DCA could purchase debt. Once you know how their little scam works, it's a real hoot dealing with these lowlife.

[riv2012]

In the video they state - debt is overdue.

This is WRONG. Debt is NOT overdue, debt has been illegally purchased by debt collection agency (DCA) from bank/3rd party. There is NO contract between you (person with alleged debt) and collection agency. You simply DON'T enter into contract with DCA - that means say NOTHING on phone, and any paperwork they send you simply write on UNOPENED letter - No Contract Return To Sender

Check out - Freeman of the Land for more info.

Peace

[roxcyn]

@riv2012 The video is not completely correct. If it's a CA then why are they saying it's overdue and to make the account current? Also, riv2012 you make it sound like all CAs buy the debts, BUT not all do. In fact, a majority of the time the accounts are just sent to collections. When you sign up for a service (credit card, phone, etc) in your customer agreement there's always a section were they have a right to send it to a 3rd party CA if you don't pay.

[riv2012]

@roxcyn

If any company or person were to buy my 'debt' without my permission, then as I am concerned they have paid my debt off without my consent. Simply thank the CA for their kind act of clearing your debt, and tell them to provide you with an executed contract between yourself and CA. No Contract = No debt.

Of course one needs to read small print when signing up to these debt corruption entities aka banks.

[roxcyn]

@riv2012 Hi! Once again, you have to read those contracts, especially with the banks. There's always a section about where they can assign/transfer/sell the account the a collection agency (or debt buyer if they're selling it). If you don't want them to contact you, of course, send a C&D letter.

[riv2012]

@roxcyn Agreed. Crucial to read small print.

Other options for viewers struggling with debt; declare a moretarium. State to bank / debt scum that you will pay debt off, at £1 a month. As long as you agree to pay off debt and show you're on a low income there's nothing they can do about it. Besides, when banks/agencies threaten people with fines and possible court action, it is unlawful for them to make such threats. And finally, if debt is 6 years old or more then declare 'statute barred'

[roxcyn]

@riv2012 Well there's differences in USA/UK. For example, 1 USD (GBP) a month on a debt won't satisfy any CA. As for suing in court, (in USA) if they intend on doing it, of course they can say something along the lines of "we can refer this to court". However, if they don't have intentions on doing a suit, then they can be in trouble. As for the SOL in USA it varies on state to state. It can be anywhere from 4 to 15 years.

[riv2012]

@roxcyn Fair point ref $1 / £1 a month repayment.

In that case, simply 'offer' to pay the bare minimum of what YOU can afford to pay and don't let DCA scum bully you. Ask them what law states you have to pay back debt at an amount you simply cannot afford, and remember to declare a moretarium.

Also, make sure the DCA has proof of ownership of debt before even considering paying these scum bags.

NO CONTRACT = NO DEBT.

[theraviolicat]

Very good information.

[william12ish]

BAHAHAHAHA "Nutskin"

[Purushadasa]

Did he say his name was "Gary Nutskin???"