10 Ways Debt Collectors Break The Law

[MyNephewIsTough]

When I was buried in debt, the dumb ass collectors would call at 8:00 pm and ask if I had the money. Then, they would call back at 8:05 and ask again. I could certainly understand them calling me because I DID owe the money. But, why turn around and call back 5 minutes later? I mean, what the hell could have possibly changed in 5 damn minutes? I eventually got all my debts paid off and am done with collectors. If I never hear from a collector again, it'll still be way too soon!

[ProofReadTard]

should have included multiple calls to people who aren't the debtor. And what constitutes 'harassment'



[MsB0402]

why are people trying to get out of paying their debt. muy father taught me to never have debt. and now i feel stupid as I see that everyone tries to put off or get out of their obligations and I end up haveing to pay for it through taxes and higher cost on everything. if you feel guilty you ARE GUILTY. do not buy or barrow live within your means other people do. why do you get away with it?

[thewag777]

@MsB0402 It's not really about that. But if you are struggling and falling behind, you don't deserve to be harassed and threatened by these pricks if you're being honest and trying to work something out with them until you get back on your feet. You certainly don't deserve to be lied to, or called at work when you've requested not to be. I do share you sentiment though, if you own them money, you need to be working on how to pay them back.

[vonsgu]

How about if debt collectors call you all the time asking for the wrong person, someone who you don't even know and have no idea what they are talking about. Those are the calls that bug me.....

[superbeauthy]

all fraud anyway lol

[imparfaite]

I had a debt collector call me a few minutes past 9pm one night. They called 3 times in a row and I finally answered the phone and told them it was late. I told them not to call me again but they continued calling for weeks after that. They also threatened me with legal action and used insults, telling me I was worthless (or something to that effect) for not making good on my debt. If I could, I would. Simple as that. I don't exactly enjoy being harassed for money.

[IRISHBUDDAFILTH]

@imparfaite I hear you !!! I had one from India and they told me to have my 6 yr old daughter go out and give BJ's for money to pay my bill. There are some really sick people out there!!! I sued and the guy was put in prison and I won alittle bit of money.

[nekad2000]

@IRISHBUDDAFILTH Sounds like he was trying to give you some helpful and creative ideas on how to raise the money. You didn't like his particular idea obviously, but hey, he was trying wasn't he?

[IRISHBUDDAFILTH]

@nekad2000 you're sick!!!

[youwantsomeofme]

the debt collecter asked me for my social security after i told her who are u?

[blackboy9573]

love it

[TWGRY80]

I used to be in collections. The FDCPA is out of date and needs to be updated. First off the law says no personal info can be disclosed to a 3rd party, which means that a 19 year old kid's mom cannot be told about the debt even though she might be in a position to pay it off. Next because of privacy issues the law states ID must be verified over the phone with the debtor providing the info except people are so paranoid they won't do it because of ID theft and obviously who can blame them?

[crazyj189]

You guys shouldn't mislead the public like this. You should disclose that the FDCPA only applies to third party collections. If the collections is first party none of these rules apply, and all of you know this but don't disclose the information.

[dstruck0622]

"a few years ago"? It was passed in 1977.

[Folter]

im a collector and i dont do any of this. and the only way you can get the calls to stop is to send in a cease and desist letter to the agency, or if you have power of attorney. maybe you should know YOUR stuff

[bvsandman]

@Folter Uh yet you still break the law? My family is currently going through bankruptcy, in the 1 month it was happening, they called before 8am 46 times, after 9pm 71 times. They threatened my family with foreclosure, something they can't do. And after we had told them we had acquired an attorney and gave them the number they continued to harass us. Now even if you follow the law, I can guarantee more then 80% of collectors break the law and no one does anything cause they are threatened.

[Folter]

@bvsandman not every office is a bad one. our office follows the FDCPA stringently, and we try to actually work with people as opposed to backing them in a corner. everything u stated i completely agree with on the fact that those things are illegal. however there are smarter ways to go about it. they verify poa and contact with you is prohibited unless info is incorrect, and even if you want the contact to stop, the cease and desist letter should take care of that.

[Folter]

@bvsandman if u still get calls they are then breaking the law and you can contact the attorney generals office for that. if u want the calls to stop FDCPA states you need to send written confirmation that you do not want to be contacted anymore. that makes the second way in this video not entirely true

[CrAzYnAdEz]

@Folter well said

[williamiwu]

I am a judgment collections agent. When I get the judgment paid off I send a court form called satisfaction of judgment to the credit bureaus, and tell them that is going to help their credit as well. Also when I have a case I send a letter to them as well informing them of their rights, not all collectors are pricks. My business site is phoenixrecoveryllc .

com

[SpyTheChochaMan]

heh.. well of course we've fallen prey to this, because these laws where only recently passed. the "common" person doesnt have the time to sit and look over every new law. this is how the elitist stay in power and in money. yet its still happening. feverishly so i might add. like i wrote in reply...think on this..you have bad credit , you try to get a job, you cant get the job, because of your bad credit.. so how are you suppose to get out of it? its a cycle they created to keep the poor, poor.

[etraderx11]

Over the years I have seen numerous companies in the office building where I work, who were supposedly "practicing" debt collection. All of those people were just some street "scums" and not any kind of lawyers what-so-ever. Nor did they have a sufficient education to properly sue you if they could. All of them were using fear tactics to scare the hell out of people to get the money and they did just that, although not very efficiently, because most of them have went out of business! Fight them!

[doctorw2]

I HATE ALL DEBT COLLECTORS THEY ARE ALL WANKERS!

[superekstrand]

if your a debtor then you are no better than a thief

[Seetherfanv1]

@superekstrand if your crediotor who goes after low income, hard working families who made some mistakes in their lives, then your a scumbag piece of shit of exists solely to continue this needless resscesion, you should go back to school and get a real job you fucking loser, and you should probably just end your life for being such an asshole, before someone does it for you. fuck off

[Germanboy567]

@Seetherfanv1

(He's a bill collector, he admitted it on a different video.)

[SpyTheChochaMan]

@superekstrand

Said, mr moneybags....

pffft. one day in my shoes and you'd probably kill yourself.

and not in a cool way either. probably like a little sizzy with sleeping pills or something.

self righteousness does not equal higher life form.

your life could be turned around in a instant. but according to you if you owe, your a thief?

i truly wish you well in this economy. so you wont have to ever "steal".

remember the fall is always hardest when its from a great height.

[carlcartman]

Debt collectors should have to follow the rules that telemarketers have to follow (such as a verbal request being all tht is needed to stop them from calling, rather than a written, certified request, etc.). After all, debt collectors are just telemarketers that can legally practice extortion.

[Secretgiveaway]

thinking of setting up a business that will help people pay their dues and then rebuild the persons credit status.

4 Trillion in debt, who is really running things!! Banks, banks

To me it is auto pilot draining monies from the working class, mothers, students etc, it truley crazy and someone needs to wake up and put things right.

4 Trillion! whos made it like that? the people in power 100% know what is going to happen because they plan it far in advance. Why? always remains the answer

[SpyTheChochaMan]

@Secretgiveaway well you can point out the fact that bush, in his post 9/11ish glory...and i say that with the upmost sarcasm..decided to pass a bill to cut taxes for the top 10% of the economy, while the rest of us where doomed to pay for it. But for further thoughts..think on this...if you have bad credit..and trying to get a job, the employer can and most likely will deny you employment..that means...bad credit = no job = forever in debt. yet no one has noticed this "recycling" sign...

[kreonsa]

1. if someone doesn't identify himself then will you be willing to talk to them ?

2. they allmost always do this, because they want you to ADMIT that you owe THEM something.

DON'T write back, just IGNORE them at the moment, then educate yourself on what your options are.

This video is a SCAM.

[kaizersolze]

@kreonsa You're going to make people lose in court. Shut up! Everything in this video is true. I work for the courts and see it firsthand.

[kreonsa]

I will be back later on, i do not have the time right now. And .. you don't need to shout at me. The information presented in this video may be "true", but true for who ? Who does it apply to ?

I'll provide you with the answer as i said later on. Have a nice day.

[kreonsa]

@kaizersolze

As promised;

I urge people to get to know their rights, and to educate themselfs about the "strawman", about the "person" attached to them at birth.

That is what will keep you out of debts, courts and the broken legal system.

If you trust the information presented in this video, you will lose in any court because:

[kreonsa]

@kaizersolze

2nd point in this video implies that you should contact them IN WRITING

(well, isn't that a evidence? a writed statement ?)

That's what they want you to provide them with, a writed statement in wich you aknowledge the debt they are trying to impose on you!

This would be an evidence wich will be brought against you in a court of law!

"strawman" educate yourself! You are not a piece of paper!

[etraderx11]

@kreonsa well, this is not correct. If you state in writing that you don't believe that YOU owe anything at all to THEM, then they would be responsible to prove you otherwise, that in-fact a) you DO owe something and b) that the amount you owe is what they claim it is. Failing for them to do so AFTER you request is ILLEGAL per the FDCPA law and you in-fact have a full right to sue THEM for unfair practices of the law above and actually get money from them through the court. Fight them!

[kreonsa]

@kaizersolze

And most important you do not need a lawyer, you need to be wise and self responsable

[SlightyDisturbedNBK]

Bank? Can't pay your debt? We will bail you out.

Private citizen? Can't pay your debt? Throw you in jail.

[williamiwu]

@SlightyDisturbedNBK

Sorry but you can’t be thrown in jail for not paying a debt

[ShiZi999]

@SlightyDisturbedNBK ya got that right. to hell with them.

[CrAzYnAdEz]

@SlightyDisturbedNBK dude get your facts straight first off you cant get thrown in jail for not paying your debt second banks get bailouts because 1st off if a bank gets closed down millions of people get affected 2nd of all most banks owe money because of people like "debtors" who take their money and dont pay it back. peace!

[oldsko0ul]

I am suing SRL & associates. (Golds Gym Collections) This jackass "chris" actually threatened my wife and her manger..broke 4 out of those rules and his supervisor told me to screw off when i called to complain about Chris.

[badpanda84]

you do realise that anywhere else in the world they just come to your house with baseball bats.

[BayouChick31]

@badpanda84 Never heard that one. Collectors in the USA, at least the southern part, know better than to do that, with all the guns in the U.S. Some people are just that nuts.

[turksmikey]

whats the law in the uk

[tfergusonc]

So am I to understand that people /dont/ owe the company -who didnt know them from Jack Off Jill- the money they lent in good faith under the borrower's word that they'd be paid back? If you're not worth your word - you should die. The agreement isnt "pay back whenever i can" the agreement is "x months with x dollars on x day." Same goes for school loans. A stranger gave you $50,000.00 that means the people that KNOW the borrower wouldnt give them a dime. Pay your fuckin bills.

[BayouChick31]

@tfergusonc What if someone loses their job in a recession? What if someone has an accident/injury/illness preventing them from working? It's a two-way street, things happen in life. But it's a debtor's responsibility to try to work out arrangements with a creditor before it goes to collections.

[Iriatv]

Man most of these had all ready been broken with my case, they come to my home at 4:30 5:00 in the morning and 10:00 at night banging on the door,and I mean it banging. Calling my phone saying they are federal agents they even found out my cell phone number, they follow me all over (hired Investigators) not kidding ether.

And the thing is this case has nothing to do with me it's my deceased father.

I have this one debt collector who call every week after I game them are Attorneys number.

[bottomfeedeification]

@Iriatv I find it ironic that you have a channel dedicated to prank calls, but you have issues with collectors annoying you. Guess karma really is a b***ch

[BayouChick31]

@Iriatv As for the banging on the door, call the cops, that's illegal of them to do. It's also illegal for them to collect on a debt that's not legally yours.

[bottomfeedeification]

when you don't pay your bills you are hurting the creditor who extended you a service in good faith. telephone "harrassment" is a ridiculous notion.what sort of "harrassment" would you resort to if some one owed you a thousand dollars for the last three years? ans thts a small debt. if you choose to not make the sacrifices you need to honor your word then at least you should have to change your phone #. PAY YOUR BILLS! is simpler than having to play the victim

[IronJustice08]

@bottomfeedeification If you want to have fun with a bill collector, its easy! Just sit on the toilet while taking a shit and hold the phone to your asshole so the collector can hear you shit and fart, then let him know that he just gave you a blumpkin! They go wild! You have nothing to fear from the bill collector that sits in a cubical making $12.00hr with worst credit that you. Just ask any of these monkeys for their work email address! too low rank to have one! lol

[oldsko0ul]

@IronJustice08 FUCK that is soo true.. but they act like oooh ooooh he has the magical computer.. and ooh ooh.. hes a collector.. bow down and pay me... man fuck these morons. Especially the rude ones.

[sm0154]

@fullflavormenthol I know. A lot of people get into this situation and MEAN to pay but something happens and they can't I have been in the situatio and am not getting out of it slowley but I still have these collectors call and try and get you to pay WAY more than you owe!

[etvander]

1.False (I think) 2. False 3.True 4.False 5.True 6.True 7.True 8.True 9.False 10.True 60%= D-, nice try

[sm0154]

@fullflavormenthol Good for you!

[jucahi1]

im a debt collector...... i've been on that job for 3 years...... and let me tell you... MAN!!! some people are so dumb taht wont even give you a good excuse to pay..

they get mad after they are not paying for what they're supposed to... to top it off, we are the bad one. (WTF?)

yea, we break the law sometimes, but people gotta have the balls and make a payment arrangement!

[sm0154]

@jucahi1 Not when you call and lie and harrass people! Not when you lie and tell them that they are going to be arrested! Not when you call their work over and over and are rude to them.

[entrim]

@jucahi1 do you guys use fake names?

[jucahi1]

nop...... well at least we dont.

thats on depending on how professional the debt collector is.

if its a newbie and doesnt know some other ways to convince the customer to pay, well.... i dont know what to tell you.

honestly, there's a lot of ppl breaking the law, thats for sure. the problem is that they generalize us as the bad ones.

our bosses give loans if they need money, and now they're not paying the money back.

do i make sence?

[clinteastwoodcowb0y]

I'm a new debt collector and learning the ropes. I like how people buy things and dont pay for them and get mad when someone like me asks them to pay for what they took. I mean, after all if you take something that doesn't belong to you it is stealing. So I think people who refuse to pay their debt in a timely matter that are capable of should be charged with theft.

[entrim]

@clinteastwoodcowb0y i agree stealing is wrong,

but i also think that if its a hospital bill that your collectiing than you should have your ass kicked,

[clinteastwoodcowb0y]

I dont collect for hospital bills but if i did i'd like to see you try mother fucker.

[entrim]

yes you do they all do, and i would love to break you in fucking two

[clinteastwoodcowb0y]

that just shows how little you know about it. i never call anyone on hospital bills, thankfully.

[suckittrebek619]

@clinteastwoodcowb0y No dice. The reason that credit cards charge higher interest rates is that they face the risk of nonpayment. This is the business that they've chosen to enter, and the rules have been that way for over a century. The creditors can get out of the business at any time they choose if the rules aren't to their liking.

As for the debt collectors... The minute a debt is bought and/or sold it becomes a commodity, and as such the buyer assumes all risk.

[rosym99]

Debt collectors are just doing theyr job.

[suckittrebek619]

@rosym99 Ah, the Nuremburg defense...

[Myella229]

Just got off the phone with a debt collector who refused to send me any info of who or what company he was with. He wouldn't even send me info on the debt....strange. Then he called me a criminal after I refused to pay because he wouldn't give me info lol

[freddiefernandez]

I had a bunch of collection agencies calling my house once looking for my father who owed. I told them repeatedly to stop calling here because he literally did not live here anymore. They kept calling and they would try sneak stuff like calling me by my dad's name when I picked up. I finally just changed the number but man, they were horrible people. They serve no purpose.

[hardtechnoboy]

Debt collectors sure are scum sucking bottom feeders. They are one step above child murderers.

[nfwvideo]

y when i can file bankrupsy? than they CANT go after me :)

[davef2k6]

Ohhhh i forgot that easy solution, why doesnt everyon do that?? Let's see... if costs money to go bankruptm, that you obviously dont have, bitch. Other than that you will most likely be refused any type of credit for the rest of your life, that means no mortgage, car etc. So why dont you just do that and live the rest of your life like the little cockroach you are?

[nfwvideo]

cost me 1200 to file ch 7 i did it in jan 06 by nov i bought a car with low intrest and payments, and this year i got a mortgage with a low intrest rate sounds to me like it didnt hurt me for the rest of my life.

besides debt collection is fun to deal with u string them along for while drop the bankrupsy bomb on the and presto they stop calling, if a bank can go under i can bankrupt some debt

[WC9456]

some people can't do that at the moment, due to injury. You tell them that you will pay it soon, and they keep calling. they are scum fuckers and should stop when asked to do so.

[actioncomet]

I'm comin' at cha with a video camera for evidence and an angle grinder to remove the goods that were provided and have not been paid for.

So think again...Pay your bills like other honest people.......

[liberal4life1]

i filed bankrupsy and i cant be bugged by u guys anymore FACT!!!

[badpanda84]

@liberal4life1 yeah but isnt being banrrupt even worst that being hasseled by debt collectors

[liberal4life1]

i maxed out my cards and got it all cleard and kept all my shit haha

[pig5689]

Debt collectors live & work in sewage. Had one dummy call me trying to reach my 24-year old daughter who lives 1200 miles away from me. The debt-collector said she couldn't reach her so I was responsible for her debt because I was her father & they will now expect payment from me immediately! Her attempt at intimidation made me laugh out loud. I called her a liar & told her she just committed fraud. Told her if she calls ever again I call the state Attorney General. Next day she called again.

[mufaruk]

what is new in this video. The debtors are smarter than this guy thinks.

[Joey1776]

hehe, "When a collection agent continues to contact you even after you say not to" that's illegal--uhhh, no it isn't. I'm a bill collector and i can tell you we wouldn't collect a dime if that were true.

[llukax]

Some people are ill and are unable to pay their bills. Stress can make some illness worse. and no doctor will see them. So the end up in the ER and with more debt. Some of you guys don't seem to care. I would like to believe that you play fair. But not likely... Illegal or not, that makes you a full-time jerk. Maybe you should get a real job.

[gears2boomshield]

RE: Joey1776 -- I've heard that this should only apply if the debt is not yours. I know that you can insist they stop phone contact and address the debt by mail only.

[wkruk1979]

if i have filed for bankrupsy U CANNOT CONTACT ME!!!

[oklahomasongwriter]

Word dog! I think everyone should go create as much debt as they can and everyone should go file. They are crashing our dollar anyway.. Why not get free shit out of it? Just sayin........

[DeadKennedysNirvana8]

Unless it is a parking ticket.

[oklahomasongwriter]

It is true.. Keep it up and you'll get sued or fined. If someone tells you in writing not to contact them anymore you must stop calling them.. I had a friend who worked in collections and they got a $10,000.00 fine as well as the finance company for the same thing your saying isn't illegal.

[roxcyn]

Re: Joey only half truth. Generally it's put in writing it's called limited communication or cease and desist. What you're probably talking about is the ones that say "don't call me on the phone" which more likely isn0t going to stop the calls.

Re: Ilukax, so what's a "real" job? I thought any job was better than none.

[deathmyst1983]

Some of the information is true some of it is not true or answered very vaguely, e.g. people normally say that they have an attorney but don't pay the attorney, until you have a case # (which means you retained and paid the attorney) you will still get calls, there are other pieces that aren't correct either. FDCPA is strictly for only 3rd party collection agencies.

[roxcyn]

Good video! Too bad it was more of an infomercial for your services.

[edstar21]

haha what a load of bullshit

[alldayubum]

i hear you ...

[theinfamoustravw]

Since debtors may see this as professional, accurate information, I have flagged the video for review. The information provided is either wholly inaccurate or too vague to be used by a debtor and it should therefore be removed and banned.

[HurricaneHeidi]

I learned how to defend myself against a debt collection lawsuit and I WON. I wrote a book describing EVERY step in the process, and reproducing every pleading in the case. If I can do it, YOU can do it. See my video: "DEFAULT !!! Escaping the Debt Trap and Avoiding Bankruptcy" on my channel.

[darc145225]

I do not know who made this video, but they are very wrong. First of all, if it was illegal for collectors to continue to call just because someone SAID dont call me, they would all be out of a job. The debtor must write a letter stating very clearly that they are to cease and desist communication. They can continue to report to the debtors credit that its still delinquent, and can actually be contacted by mail again to prove the cease and desist was received. I worked as a collector for 3 yrs

[pathmaker14]

I agree... I've reported this video to the American Collectors Association. This company is giving legal advice that is not totally correct. Research the Fair Debt Collection Practices Act (FDCPA) before wasting your time on this video!

[wkruk1979]

if your in bankrupsy and u told them that than the calls must stop

[sweetriche]

Only if the debt they are calling on was included in the bankruptcy!

[coegary]

Few years ago?? Try 10's of years.

[oscy999]

hahaha