This guy doesn't know what the hell he's taling about. According to the Fair Debt Colletions Practice Act laws, it is illegal for them to contact your neighbors and you can sue a collection agency for doing that.
Ya wanna know what's even worse, is when you stupid fucks call with a debt that was someone elses, and won't even listen when I tell you that you have called the wrong number...Then you refuse to believe that....will you belive that you can get your ass fucked up ?
Hey Mr debt collector...you know what IS embarrassing? Buying people's debts and being stupid enough to think the person will buy them back of you at a higher rate. What a bunch of tools.
@scott35750 again as your article does not say you cannot call the neighbour or 3rd party or relative, just states that you cannot disclose anything about the debt to them without the debtors permission
Correction. It is illegal to contact "your neighbors" or "your relatives" these practices our outlined in the Fair Debt Collection Practices Act. I run a legitimate collections agency and in my experience, if you treat customers like human beings and work with them, they are more likely/able to make efforts to repay. Otherwise, you are just making matters worse both to the client and to the company that you represent in your efforts to collect funds.
The real issue is and the truth to it is that 95% of the ones doing the collecting are fresh from rehab, jail or trying to get back on their feet....Makes you just want to give them your credit card number right! I never pay a collection agency. If I owe, I pay the direct account, NEVER and agency. The workers are way worse off than the ones that owe. I was in the business for 13 years, I saw way to much behind the scenes stealing from clients to trust any of them.
This is under handed and should be illegal. I wouldn't be surprised to see a revolt in this country. A country that caters to the cooperate elite and enslave the public by doing so is a country that will not stand long. They wonder why President Obamas approval rating hasn't come up since he renewed the Bush tax cuts for the wealthy. It's because he is cookie cutter president, a mouth piece to serve the interest of the cooperate elite. The system is broken. People are tired of being slaves!
it's not illegal to contact neighbors or relatives to find information such as: address,phone number or place of employment. some states require that the person you speak to offer to take a message rather than you asking them to take one. it IS illegal to inform them of the debt w/o prior consent from the debtor. collections cant sue you,but the original creditor can.
@eka1029 ERROR> Collection agencies can refer the account to an attorney for a lawsuit. The creditor can, too. HOWEVER, the MOST important part is...if they SAY they are going to sue you then they better have the intentions on doing it because you cannot make threats to the consumer/debtor.
Nothing wrong with calling neighbors to get a message to someone who has no phone number and Won’t call you. As far as calling relatives, look at it like this? The banks always ask for references. Because if you skip town on your debts they want to be able to find you. If someone owed you $10,000 and you had no number for them, you’d be calling the sisters and parents to?
@CollectionJobsCo it still does not mean they will call you. I would never deal with a collection agency. I've had an experience with a medical collection agency who was trying to bill me after the hospital and doctor got paid by me and my insurance. They could never explain to me why I owed it so I never paid. Long story short it came off of my credit report and there was nothing they could do.
i live in canada and i have $643 dollars debt for 2 years or so i think, i got no job and no money to pay.. can collection agency sue me and send me to jail ???
I would disclose the message to the relative or the friend so that they could use it against the collection agency. I would further ask the collector to refrain from contacting me since a collector has no privilege to contact me once I instruct him or her not to. If they insist on contacting me after I have conveyed that message, then I would sue them for harassment. Simply because a friend or relative owes a debt does not give these cocksuckers the right to contact me about it.
If any moron like the ones on this video would call me referencing a friend or relative's debt. After sending them to go fuck themselves, I would provide the recorded message to the person they were trying to locate. You owe the debt, if you a. acknowledge the debt, or b. a court of law orders you to pay the debt, until either of these two things happen, the debt is disputed, and due to that fact, these assholes can not disclose that information to a third party.
A lot of these collection agents, and due to the fact that they do not know the law are misguided. In several states, contacting anyone other than the debtor is not legal , and the collection company can be sued. If you are experiencing creditor harassment contact an attorney and if he or she feels that you have a case sue the collection company. Every state has statutes as to what types of conduct are allowed and which are prohibited by collections. You do have rights as a debtor.
people who dont pay their bills are such losers, always have an excuse , blame the bill collector for being scumsuckers...but the deadbeats dont understand ...they are the scumsuckers who stiff the good doctor....bottomline....if your a guy and cant pay your bills...i mean a MAN who cant pay your bills then your a loser and no girl will have anything to do with you...they will just move on to the winner who pays his shit and has nice stuff.
@yourturbinisdirty1 Not everyone just decides to not pay their bills. Sure their are those who do, but that will come back to bite them. There are people who end up losing their jobs through no fault of their own or end up having a medical issue or something that has no control over the situation. No one is advocating for people not to pay their bills. This is about debt collectors crossing the line.
@furb393 Some people have things that come up in life like job loss or medical issue or something that is out of their control. Everything is going fine and then all of a sudden no income. This happened to many people when the economy went downhill. How does people pay something when they no longer have income? I'm not saying people should not pay their bills because they should and some people do bring it on their self, but the collector should be ethical.
Do collection agencies ever work? I owed like 20k for over 6 years. I had software on my phone to block calls, and threw all their letters away. They never got a cent from me. Finally I filed bankruptcy. I just don't see how they in 6 years were ever effective...
I worked for an company with a collections department for the last 4 years. I honestly don't see how anyone would be liable for a accidental fire, Only way I can see that would be someone is lying to someone. I never worked for a third party collection agency like this but we never broke the law. If they call you they are calling for a reason. They may have the wrong # or something and if that is the case just tell them.
@dudeilove the loophole, is that you gave them the information and signed an agreement. Therefore, under the fair collection act that was recently passed, the have rights to pursue you, given the information that you gave, to collect their investment.(if you are unwilling to help in the first place)
@loganachilles1982 when you agree in a credit transaction, lets say, a car.. there is an initial contract to pay which includes phone numbers, social security info, references and such in the credit application. This is their loophole for legality. If the company is unable to resolve a debt within it's own credit department, then, yes, it goes to a 3rd party agency. Im sure they have loopholes of their own, but I have never worked for a 3rd party. We rarly missed our mark, and had little need.
Fucking scum... I'm dealing with them now over an accidental fire at my brothers house. I was there on a Wednesday but the fire took place on a Thursday. So apparently since I was visiting the night before, I'm at fault.
@canadiensfan66 its not illegal to call someone unless they state not to call anymore. They also are not selling a product, so its not listed as solicitation. But these matters are many times in a grey area of legality.
no your wrong, atleast in Canada it is an offense.
w w w.s s e.g o v.o n.c a / m c s / e n /P ages/Personal_Finance_Collection_Agency_Rights.aspx
see the last line.
A collection agency may not:
Contact your spouse, a member of your family or household, or a relative, neighbour or acquaintance except to obtain your address and telephone number unless the person contacted has guaranteed the debt or you have given permission for the person to be contacted.
@canadiensfan66 "unless the person contacted has guaranteed the debt or you have given permission for the person to be contacted."
this is usually included in most credit applications. there are references where you list 3+ people. usually family, neighbors, friends. If you are knocking on someone's door, and they dont answer multiple times, you can give a contact card to their neighbor, and ask them to deliver it to your customer.
@brabon1 ive been a collector, and place of business is fair game. ive done it hundreds of times. if they dont respond to notices at home, then you have to seek other menes of contact.. that is what a credit app is for. they willingly give you information about friends, family, and business, which now makes it legal to persue them via these resources, should the need to do so arises.
@brabon1 this is true, but they will make scare tactics when the irate customer calls in; assuring them that the harassment will continue unless they comply. It usually works in bargaining. thats if they care about the law. which they dont.
You are NOT obligated to pay third party debt collection agencies in which you did not sign a contract with.
They'll scare, intimidate, double talk... Thats ALL they can do, because they know they can not enforce something in which you did not enter into agreement with their third party company.
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If people would pay their damn bills and be responcible for one no one would have to hunt them down! lol, and then theres the people who file chapt 13 and chap 7, and I think there is a special one for farmers... I think its called chapt 10 or 11... anywho... My point being why do people rob banks when they can just file bankruptcy???
@lovey10405 As far as people "paying their damn bills" sometimes you can't if you have no job or money. Then it can be hard to get a job if your credit is bad. They want you to pay them back but they make it hard for you to get a job to pay them back. They already fucked up your credit now they want to fuck up your life.
These people take pleasure in humiliating people for debts owed! Don't they have empathy? These are difficult times! Besides, many of them are scammers!
If ever I had to pay these cats again, I'd tell them that it would be by check only and write on it "endorsement of this check constitutes payment in full bla bla bla". Fortunately I have a pro bono family member lawyer, and an uncle who was a superior court judge in Napa for legal consultation. Incidentally, my uncle did say that most judges look at debt collectors as swine and if you have a case, sue em. You'll win if the collectors deviated at all from the FDCPA.
I paid the full amount....then got a call from Mumbai a month later saying that I owed more. At that point I was ready for them. I told them I was recording the conversation, that they needed to send me proof of debt, that I was sending a cease and desist, and that any further contact with me be only done through the mail. Haven't heard from them since, and they didn't ding my credit. I guess payment though resets the clock, and they've got another four years now in which to bother me.
My only experience with a collections agency was for a $800 ambulance bill which the company never sent me which had passed the statute of limitations. I had no problem with paying it. But christ did indulging these douchebags open up a can of worms. They told me I could only pay over the phone; and being completely naive on this subject, I did. They told me they'd send a receipt, of course they didn't.
I have no problem with collection agencies per say. If I stopped paying my cards then I know that they are gonna call. The problem is that they know people cant afford to pay, or if they did they would have been making their min. payments so its kinda pointless. If you sue someone that doesnt have a jb you still arent gonna get any money..lmao
Ya they called my neighbor stating I had wrote a bad check even though I've never had a checking account and started problems between my neighbor and I. Thanks a lot fags
I collect on students loans and there is no statue of limitations on student loans, they cannot be discharged through bankruptcy, FDCPA may be your friends but there are always ways to call your neighbors or relatives agains, say if we "believe" they have new information, so you think we are scum bags, pay your bill, you had money at one time when you werent paying, so why should we feel bad now because you were retarded and dont know how to handle money, enjoy your garnishment asshole
Call the banks that got billions of our tax dollars and ask them to pay us back. You're a debt collector what an honorable job. My boyfriends cousin is one..when he's not in jail. Easiest job for him to get. You work with some real upstanding citizens to call the kettle black.
xKJAI probly doesnt even work and lives with his parents. He has no income at all little fucking faggot doesnt even know how to make a dollar. GTFO Outta here.
If you know how to flex your rights towards a collectors you can get a dick up there ass. I got a collector fired yesterday because he was a rookie at trying to collect debts and he got his hands dirty with the FDCPA. Im glad now his bitchass is drowning in hisown selfworth trying to get a job.
I sent all my collectors a cease and desist letter saying they cannot call me anymore. Yes people the FDCPA is your friend. One of them actually had the nerve to call me after I sent the letter so I got the damn BBB on their ass. They never called me after that. Yeah I'll pay my bills, after I find a job in this shit economy after being laid off. The agencies are scared shitless to call me now.
And fuck you too xKJAI. Don't you think if the people HAD the money to pay their fucking bills they would? All debt collectors have to abide by FDCPA (your pea brain can look it up.) If they can't reach you they can call your relatives or friends ONCE. Yes I think that people should pay their bills but there are federal laws that collectors have to follow. And they have no problem with "embarrassing" a debtor? Must be like working for a tobacco company - fuck morals, it's all about the money.
The program is very effective in tracking people down. Its called "Accurint." However the motivations and personality type of these collectors are terrible. Everyone hates collection companies until they actually need one. However, I would never hire those two at my agency. They're an FDCPA disaster waiting to happen.
the Zeitgeist Movement (Venus Project) seems to be the most viable approach for redesigning society and eventually shutting down the monetary/credit system.
It's pretty sad that some people are willing to hurt other people in order to protect an institution of slavery. They should quit their job and find ways of contributing to a wiser, more healthy and more prosperous society for everyone.
@Dewdaahman -- because they are hoping you don't KNOW the Statute of Limitations has run out. Debt Collectors are scumbags who prey on unfortunate people, hoping they do not know their rights.
prey on unfortunate people? WTF are you talking about. I do 3rd party collections for Bank of America. I deal with people that got a BOA credit card, went nuts with the card buying everything in sight and then make no attempt to pay on the acct. You say that they areunfortunate people? Well fuck that, we call them thieves. I've been calling the same 120+ ppl for the last 3wks and guess what, I'm going to keep calling until I get the fucking money from the dead beat assholes.
Sure they do. My boyfriend has a debt from over 10 years ago for 700 which they more than likely bought for 50-100 dollars. They don't call very often but I love it when they do. Most debt collectors are morons. They know nothing about law or what they can or can't do (garnishments, liens, lawsuits, so on) considering the laws of the state you're in. If they had half a brain they'd have a better job.
I'm a debt collector and the money sucks ass. I don't know where you all live and what company you all collect for but I must be at the wrong location. Oh and I get collectors calling me too and I just screw with them since I know the routine.
I love debt collection...i'm a debt collector and i have made good money from the comissions i get.
We do call the neighbours, we do not disclose anything. If a debtor is ignoring our calls we just call everyone in the neighbourhood and leave messages,,,,its embararissing and they pay.
Karma? WTF! First of all, karma does not exist, its just a placebo.
Second, good & bad is a matter of perception. wats good for someone may be bad for another & visa versa
Third: If u say karma exists, they it must not only apply to actions but a persons thought as well. You had a bad though about me having cancer, which means you will be a victim of karma too someday. U believe in karma but at a subconscious level u dont follow it.
Hence Proved : you are a hippocrate & karma is crap.
Got news for you......it is isn't embarrassing at all. It may have been before this recession, but not now. A lot of us are in the same boat. So, your enjoyment is all in your head. We are the ones who are in more of a bargaining position than you!
100 years from now when we are all under the dirt will it really matter??? fuck bill collectors i laugh at them i love caller ID never answer. hahahaha
I'm a collector too, and I love it. The money is great and you learn a lot. In most states it's perfectly legal and acceptable to contact neighbors and family for the purpose of location information.
Most of the people that complain are the ones that drive themselves into tens of thousands of dollars in debt and can't get out. Not my fault
I understand that. All they can say is that they are trying to get a number for you to contact. No, it's illegal to tell them about the details (just as your example with the doctor) but they can call asking for the person's location information.
@neil9327 If the company collecting the debt abides by the laws in which it is governed, when they call a neighbour the details of the account aren't discussed with the neighbour its just a way of passing on a message to have the person of interest call you back.
@loganachilles1982 I know thats what it is..But unless you write them and tell them to stop that way they will not stop and even then they may still call you. I hate debt collectors as im sure you do. They prey on people who really have no means to pay. If I had the money to pay you would not be calling me. If I had a relative/spouse who could help me then you would not be calling me.
@neil9327 see, here is where the grey line begins, because you are 100% right. It IS illegal to inform your customer's debt to anyone besides the customer and spouse. That is why you convey a message of "matters of great importance" to the neighbor, rather than disclosing private information. The neighbor obviously knows, but hasnt been told anything. Keep in mind that these tactics are usually used when your customer has been avoiding you via not answering, or cancling contact info.
0:39 you stupid bitch, it's thinking like that, that makes creditonebank call us 11 times a day for someone who doesn't live here and is about to die soon, and the power of attorney doesn't live here either. Instead of taking all the info we give you for contact information and using it, you continue to call this number 11 times a day, maybe more... how fucking productive is that?
It actually is illegal to call the neighbor/boss/relative, genius. The problem is most debt collection agencies deal with people who do not know the law and usually feel very desperate.
A janitor at my building actually had a collection call for $800 once and they called his mother. Too bad one of my colleagues is a law freak and gave him directions how to sue.
Result? The debt collection agency was successfully sued for $700 + legal fees.
I believe it's illegal for them to call a neighbor telling them they are attempting to collect on a debt. That's probably a lawsuit waiting to happen.
i got a call from debt collection and im only 13 lol and they wanted my parent guared what does that post to mean? and they said my name but im only 13 lol.
They can't call your neighbor looking for you. They can't call anyone and tell them to tell you something. That's legally harassment of whoever they called to get a hold of you.
Don't feel sorry for these so called "victims" of debt collectors. Remember, these people legally OWE money. They borrowed money from a lender and failed to pay them back so fuck them. They are a drag on our economy. No pitty for these deadbeat losers. They are scum to me. Because of them, the American dollar is worth dog shit. They abuse the American Credit system.
On the other hand, I can't get mad at someone for being in MEDICAL debt. We all know hospitals, doctors, etc. are ripping us off
NO. It's because of the creation of money out of thin air and lending it out at enormous interest rates that every dollar in circulation is relentlessly devalued by inflation. The Federal Reserve Act of 1913 = Congressionally granted permission to legally counterfeit our currency. NO person or business except a Fed Res chartered banking institution is legally allowed to counterfeit (create money out of nothing) and make interest on it. BOYCOTT THEM: watch?v=GJMQCcFFzak
I worked for a collection agency for 15 years. Never pay a collector. Contact the original creditor. Dispute the bill with the collection agency with certified mail demanding validation and verification of debt. Also place in writing that you do not want any phone calls and all communication needs to be sent through mail correspondence.
The banks and creditors have every right to send a collector after you. It's the banks and credit unions money not yours. They just want whats rightfully theirs.
I agree with you to a certain extent. I am saying that because many debtors don't care to pay their bills. Sometimes debtors need people to push them to pay their debt. Nevertheless, there are those who have graduated from college who want to be able to pay off their debt, but can't because of difficulty finding jobs right now. At the same time, the lenders don't want to offer deferments and prefer to use a collecting agency to threaten and harass the students who are in debt.
Actually they usually outsource there field calls, But one of the companies that dose them is Express Mercantile's
Of course they still cant threaten you , but the purpose of a field call aside from confiriming address and demanding payment is to see if you have any assest.vechiles. and wheather it's worth the effort to sue
Unless its the IRS, Child Support, or unsecured debt worth more than 10k, collectors have really nothing more they can do but use but cheap scare tactics.
Maybe in a good economy, it might be embarrassing to people who are behind on their bills, but when you have 15% of the nation who lost their jobs its hardly anything buy embarrassing.
When they garnish wages there is very little a debtor can do? Check the FDCPA and your state laws and you may be a able to get a collection agency on a technicality?
I got sued but they cant garnish my wages because i only make 115.00 a week and in illinois you must make 349.00 a week for them to garnish from me they will never see anything.
@jesusisascam1967 Didn't work for me! My relatives understand the financial climate and they care a damn sight more about me than they do about a faceless collection agency :)
leme tell yall something, if i got a call for my NEIGHBOR and his bad bill, firstly i would tell you to piss off and if you called my house again for someone whom dosent live here trying to collect a debt.....YOU would be the next to be getting those calls! Ever heard of Harassment?
so called dead beats aren't living out of their means...creditors are raping them for triple what's owed, piling on fees in hopes you can't keep up, then selling the debt for avg 5%...why do they sell the debt off so cheap?? Because they know that's all they should be entitled to...then they let the bottom feeders go after money that was never theirs...get off your wanna-be high horse, you're most likely the dead beat in more areas of life...the stonr name says plenty
cost of borrowing is disclosed upon approval.. people are told what their getting charged, it's their choice if they want to acknowledge what their actually paying or not.. in business a company seeks to maximize profits, if people are willing to pay 20% then why not charge it. when i worked at a retail bank i saw first hand how people lived outside their means and then worried about it when it was too late.. btw the stonr is not what you think, its an acronym, so go fuck yourself
@stonr500 Banks are duty-bound to carry out SENSIBLE LENDING - aren't they supposed to be the ones with all the financial smarts?! They screwed up US and UK financials BIG TIME and had to go crying to the governments for a bail-out. They are also insured for bad debts they can't collect on - people do die you know - you CAN'T collect on every debt! So they risk assess them - or they damn well should. Don't blame the consumer. The banks NEED us to want credit. Parasites always need a host...
I couldn't imagine having this type of job. My life would be so miserable and I would probably be cynical with people for the rest of my life since that's what these people are; they are such jerks.
Debt collectors legally can call to inquire about your whereabouts. Debt collectors CANNOT make any mention about a debt! Absolutely not! Get informed about your rights and wipe the smirk off these debt collectors with evidence they've violated Fair Debt Collection Practices Act.
A debt collector called my mother about back taxes that she could not pay because she was in the HOSPITAL. They also called the neighbors and her job. Finaly they made threats of jail time. I counted 37 different violations of federal law in their messages and phone calls. Imagine their surprise when the debt was paid with their money given to us when we destroyed them via a quick and just lawsuit. Protect yourselves. If they threaten you once, they can be sued.
Right On! The government needs to also do a much better job of protecting consumers from debt predators. Most of these debt collectors need to see the inside of a jail cell, and that's no lie!!
REVEALING ALLEGED DEBT TO THIRD PARTIES: The FDCPA generally prohibits thirdparty
contacts for any purpose other than obtaining information about the consumer’s
location.23 Collectors calling to obtain location information also are prohibited from
revealing that a consumer allegedly owes a debt.24
That is right out of the FDCPA.
threetime1 3 weeks ago
ty
makeiteasyable 1 month ago
This guy doesn't know what the hell he's taling about. According to the Fair Debt Colletions Practice Act laws, it is illegal for them to contact your neighbors and you can sue a collection agency for doing that.
justinnate82 1 month ago
@justinnate82 not if your contacting a buisness. but for personal matters, your right. federal laws make that illegal
jrose152 3 weeks ago
tell them you were a debt collector yourself, now you're out of work due to the job being outsourced to india. :P
DJMC5ive 2 months ago
Ya wanna know what's even worse, is when you stupid fucks call with a debt that was someone elses, and won't even listen when I tell you that you have called the wrong number...Then you refuse to believe that....will you belive that you can get your ass fucked up ?
MIKEL0352 2 months ago
Hey Mr debt collector...you know what IS embarrassing? Buying people's debts and being stupid enough to think the person will buy them back of you at a higher rate. What a bunch of tools.
wesmatron 3 months ago
My former neighbor got a call from a collection agency looking for me, and they told him he'd have to pay my debt if I wasn't found.
The neighbor sued the debt collection agency and won a pile of money.
MondoBeno 6 months ago
@MondoBeno good!!
justinnate82 1 month ago
@scott35750 again as your article does not say you cannot call the neighbour or 3rd party or relative, just states that you cannot disclose anything about the debt to them without the debtors permission
bersheeva 8 months ago
Correction. It is illegal to contact "your neighbors" or "your relatives" these practices our outlined in the Fair Debt Collection Practices Act. I run a legitimate collections agency and in my experience, if you treat customers like human beings and work with them, they are more likely/able to make efforts to repay. Otherwise, you are just making matters worse both to the client and to the company that you represent in your efforts to collect funds.
spunsugar2002 9 months ago
Your a douchebag for ever calling a neighbor and IT IS ILLEGAL!
85bmw528eguy 1 year ago
The real issue is and the truth to it is that 95% of the ones doing the collecting are fresh from rehab, jail or trying to get back on their feet....Makes you just want to give them your credit card number right! I never pay a collection agency. If I owe, I pay the direct account, NEVER and agency. The workers are way worse off than the ones that owe. I was in the business for 13 years, I saw way to much behind the scenes stealing from clients to trust any of them.
kriggs1976 1 year ago
This is under handed and should be illegal. I wouldn't be surprised to see a revolt in this country. A country that caters to the cooperate elite and enslave the public by doing so is a country that will not stand long. They wonder why President Obamas approval rating hasn't come up since he renewed the Bush tax cuts for the wealthy. It's because he is cookie cutter president, a mouth piece to serve the interest of the cooperate elite. The system is broken. People are tired of being slaves!
jab0805 1 year ago
it's not illegal to contact neighbors or relatives to find information such as: address,phone number or place of employment. some states require that the person you speak to offer to take a message rather than you asking them to take one. it IS illegal to inform them of the debt w/o prior consent from the debtor. collections cant sue you,but the original creditor can.
eka1029 1 year ago
@eka1029 ERROR> Collection agencies can refer the account to an attorney for a lawsuit. The creditor can, too. HOWEVER, the MOST important part is...if they SAY they are going to sue you then they better have the intentions on doing it because you cannot make threats to the consumer/debtor.
roxcyn 9 months ago
Nothing wrong with calling neighbors to get a message to someone who has no phone number and Won’t call you. As far as calling relatives, look at it like this? The banks always ask for references. Because if you skip town on your debts they want to be able to find you. If someone owed you $10,000 and you had no number for them, you’d be calling the sisters and parents to?
CollectionJobs.Co
CollectionJobsCo 1 year ago
@CollectionJobsCo it still does not mean they will call you. I would never deal with a collection agency. I've had an experience with a medical collection agency who was trying to bill me after the hospital and doctor got paid by me and my insurance. They could never explain to me why I owed it so I never paid. Long story short it came off of my credit report and there was nothing they could do.
CaseyE28 9 months ago
its illegal for them to reveal debt to anyone but u except ur sprouse
USAisgay 1 year ago
i live in canada and i have $643 dollars debt for 2 years or so i think, i got no job and no money to pay.. can collection agency sue me and send me to jail ???
7777713 1 year ago
@7777713 no they cannot send u to jail.
deadsexy33 1 year ago
@7777713 no they cant
carpovic2 1 year ago
I am happy i am Canadian they ain't no allowed to do dat
cindyns1 1 year ago
PUSSY'S
MegaHayhayhayhay 1 year ago
This has been flagged as spam show
you people make me sick. How can you sleep at night after victimizing human beings like that!
kendramaggard 1 year ago
you people make me sick. How can you sleep at night after victimizing human beings like that!
kendramaggard 1 year ago
Fuck you
MrSamsung31 1 year ago
I would disclose the message to the relative or the friend so that they could use it against the collection agency. I would further ask the collector to refrain from contacting me since a collector has no privilege to contact me once I instruct him or her not to. If they insist on contacting me after I have conveyed that message, then I would sue them for harassment. Simply because a friend or relative owes a debt does not give these cocksuckers the right to contact me about it.
laughinatu69 1 year ago
Comment removed
laughinatu69 1 year ago
If any moron like the ones on this video would call me referencing a friend or relative's debt. After sending them to go fuck themselves, I would provide the recorded message to the person they were trying to locate. You owe the debt, if you a. acknowledge the debt, or b. a court of law orders you to pay the debt, until either of these two things happen, the debt is disputed, and due to that fact, these assholes can not disclose that information to a third party.
laughinatu69 1 year ago
A lot of these collection agents, and due to the fact that they do not know the law are misguided. In several states, contacting anyone other than the debtor is not legal , and the collection company can be sued. If you are experiencing creditor harassment contact an attorney and if he or she feels that you have a case sue the collection company. Every state has statutes as to what types of conduct are allowed and which are prohibited by collections. You do have rights as a debtor.
metaron1977 1 year ago
people who dont pay their bills are such losers, always have an excuse , blame the bill collector for being scumsuckers...but the deadbeats dont understand ...they are the scumsuckers who stiff the good doctor....bottomline....if your a guy and cant pay your bills...i mean a MAN who cant pay your bills then your a loser and no girl will have anything to do with you...they will just move on to the winner who pays his shit and has nice stuff.
yourturbinisdirty1 1 year ago
@yourturbinisdirty1 Not everyone just decides to not pay their bills. Sure their are those who do, but that will come back to bite them. There are people who end up losing their jobs through no fault of their own or end up having a medical issue or something that has no control over the situation. No one is advocating for people not to pay their bills. This is about debt collectors crossing the line.
CaseyE28 9 months ago
Pay your debts and this won't happen - pretty simple
furb393 1 year ago
@furb393 these debt collectors are using illegal tactics to make a profit on your debt.
DNYLNY 1 year ago
@furb393 Some people have things that come up in life like job loss or medical issue or something that is out of their control. Everything is going fine and then all of a sudden no income. This happened to many people when the economy went downhill. How does people pay something when they no longer have income? I'm not saying people should not pay their bills because they should and some people do bring it on their self, but the collector should be ethical.
CaseyE28 9 months ago
They remind me of a load I shot onto a chic's butt. It feels important on the way out, but in the end, you just end up being but goo.
nalani005 1 year ago
anyone who can work for a collection agency are losers in life, ALL YOU NEED TO DO IS SEND THEM A CESE AND DESIST LETTER AND THEY GO AWAY,
paddywackwacky 1 year ago
why people don't hang up on those calls?
sebo2001 1 year ago
Do collection agencies ever work? I owed like 20k for over 6 years. I had software on my phone to block calls, and threw all their letters away. They never got a cent from me. Finally I filed bankruptcy. I just don't see how they in 6 years were ever effective...
euvi85 1 year ago
why arent these low lifes in this vid behind bars for breaking the law???
loganachilles1982 1 year ago
I worked for an company with a collections department for the last 4 years. I honestly don't see how anyone would be liable for a accidental fire, Only way I can see that would be someone is lying to someone. I never worked for a third party collection agency like this but we never broke the law. If they call you they are calling for a reason. They may have the wrong # or something and if that is the case just tell them.
BrentSiT 1 year ago
Actually all the stuff they do is illegal you just have to read between the lines to find ut what is and what isn't
dudeilove 1 year ago
@dudeilove the loophole, is that you gave them the information and signed an agreement. Therefore, under the fair collection act that was recently passed, the have rights to pursue you, given the information that you gave, to collect their investment.(if you are unwilling to help in the first place)
projectloki 1 year ago
@projectloki most people don't sign agreements with these parasitical bottom feeding lawbreakers. They are third party. GET THE FACTS
loganachilles1982 1 year ago
@loganachilles1982 when you agree in a credit transaction, lets say, a car.. there is an initial contract to pay which includes phone numbers, social security info, references and such in the credit application. This is their loophole for legality. If the company is unable to resolve a debt within it's own credit department, then, yes, it goes to a 3rd party agency. Im sure they have loopholes of their own, but I have never worked for a 3rd party. We rarly missed our mark, and had little need.
projectloki 1 year ago
Fucking scum... I'm dealing with them now over an accidental fire at my brothers house. I was there on a Wednesday but the fire took place on a Thursday. So apparently since I was visiting the night before, I'm at fault.
66mice 1 year ago
it IS illegal to harrass relatives or neighbours. Know your rights!
canadiensfan66 1 year ago
@canadiensfan66 its not illegal to call someone unless they state not to call anymore. They also are not selling a product, so its not listed as solicitation. But these matters are many times in a grey area of legality.
projectloki 1 year ago
@projectloki
no your wrong, atleast in Canada it is an offense.
w w w.s s e.g o v.o n.c a / m c s / e n /P ages/Personal_Finance_Collection_Agency_Rights.aspx
see the last line.
A collection agency may not:
Contact your spouse, a member of your family or household, or a relative, neighbour or acquaintance except to obtain your address and telephone number unless the person contacted has guaranteed the debt or you have given permission for the person to be contacted.
canadiensfan66 1 year ago
@canadiensfan66 "unless the person contacted has guaranteed the debt or you have given permission for the person to be contacted."
this is usually included in most credit applications. there are references where you list 3+ people. usually family, neighbors, friends. If you are knocking on someone's door, and they dont answer multiple times, you can give a contact card to their neighbor, and ask them to deliver it to your customer.
its sleazy, but legal.
projectloki 1 year ago
@projectloki no...its pretty much illegal...as is contacting you at your place of employment
brabon1 1 year ago
@brabon1 ive been a collector, and place of business is fair game. ive done it hundreds of times. if they dont respond to notices at home, then you have to seek other menes of contact.. that is what a credit app is for. they willingly give you information about friends, family, and business, which now makes it legal to persue them via these resources, should the need to do so arises.
projectloki 1 year ago
@projectloki if i say please dont contact me at my biz, you cannot...that is the law
just sue me....which most choose not to do, as it is cost prohibitive...so you instead choose to harrass
brabon1 1 year ago
@brabon1 this is true, but they will make scare tactics when the irate customer calls in; assuring them that the harassment will continue unless they comply. It usually works in bargaining. thats if they care about the law. which they dont.
projectloki 1 year ago
@projectloki your another law breaker
loganachilles1982 1 year ago
@loganachilles1982 in more ways than one.
projectloki 1 year ago
You are NOT obligated to pay third party debt collection agencies in which you did not sign a contract with.
They'll scare, intimidate, double talk... Thats ALL they can do, because they know they can not enforce something in which you did not enter into agreement with their third party company.
castawayds 1 year ago
This has been flagged as spam show
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mycreditrepairmagic 1 year ago
If people would pay their damn bills and be responcible for one no one would have to hunt them down! lol, and then theres the people who file chapt 13 and chap 7, and I think there is a special one for farmers... I think its called chapt 10 or 11... anywho... My point being why do people rob banks when they can just file bankruptcy???
lovey10405 1 year ago
@lovey10405 As far as people "paying their damn bills" sometimes you can't if you have no job or money. Then it can be hard to get a job if your credit is bad. They want you to pay them back but they make it hard for you to get a job to pay them back. They already fucked up your credit now they want to fuck up your life.
rheard3894k 1 year ago
These people take pleasure in humiliating people for debts owed! Don't they have empathy? These are difficult times! Besides, many of them are scammers!
Styxnstones24 1 year ago
If ever I had to pay these cats again, I'd tell them that it would be by check only and write on it "endorsement of this check constitutes payment in full bla bla bla". Fortunately I have a pro bono family member lawyer, and an uncle who was a superior court judge in Napa for legal consultation. Incidentally, my uncle did say that most judges look at debt collectors as swine and if you have a case, sue em. You'll win if the collectors deviated at all from the FDCPA.
muttonbuster 1 year ago
I paid the full amount....then got a call from Mumbai a month later saying that I owed more. At that point I was ready for them. I told them I was recording the conversation, that they needed to send me proof of debt, that I was sending a cease and desist, and that any further contact with me be only done through the mail. Haven't heard from them since, and they didn't ding my credit. I guess payment though resets the clock, and they've got another four years now in which to bother me.
muttonbuster 1 year ago
My only experience with a collections agency was for a $800 ambulance bill which the company never sent me which had passed the statute of limitations. I had no problem with paying it. But christ did indulging these douchebags open up a can of worms. They told me I could only pay over the phone; and being completely naive on this subject, I did. They told me they'd send a receipt, of course they didn't.
muttonbuster 1 year ago
I have no problem with collection agencies per say. If I stopped paying my cards then I know that they are gonna call. The problem is that they know people cant afford to pay, or if they did they would have been making their min. payments so its kinda pointless. If you sue someone that doesnt have a jb you still arent gonna get any money..lmao
Shabaka87 1 year ago
@Shabaka87 My point exactly!!!
rheard3894k 1 year ago
why as a debtor do you think you have rights?
laywitasnake9 1 year ago
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
Nin10doking 1 year ago
Ya they called my neighbor stating I had wrote a bad check even though I've never had a checking account and started problems between my neighbor and I. Thanks a lot fags
jesika1984 1 year ago
I collect on students loans and there is no statue of limitations on student loans, they cannot be discharged through bankruptcy, FDCPA may be your friends but there are always ways to call your neighbors or relatives agains, say if we "believe" they have new information, so you think we are scum bags, pay your bill, you had money at one time when you werent paying, so why should we feel bad now because you were retarded and dont know how to handle money, enjoy your garnishment asshole
XxInColdBloodxX 2 years ago
@XxInColdBloodxX
Call the banks that got billions of our tax dollars and ask them to pay us back. You're a debt collector what an honorable job. My boyfriends cousin is one..when he's not in jail. Easiest job for him to get. You work with some real upstanding citizens to call the kettle black.
grrngirl 1 year ago
Comment removed
kng420 2 years ago
xKJAI probly doesnt even work and lives with his parents. He has no income at all little fucking faggot doesnt even know how to make a dollar. GTFO Outta here.
If you know how to flex your rights towards a collectors you can get a dick up there ass. I got a collector fired yesterday because he was a rookie at trying to collect debts and he got his hands dirty with the FDCPA. Im glad now his bitchass is drowning in hisown selfworth trying to get a job.
SkullFracturee 2 years ago
I sent all my collectors a cease and desist letter saying they cannot call me anymore. Yes people the FDCPA is your friend. One of them actually had the nerve to call me after I sent the letter so I got the damn BBB on their ass. They never called me after that. Yeah I'll pay my bills, after I find a job in this shit economy after being laid off. The agencies are scared shitless to call me now.
gears2boomshield 2 years ago
debt collection ftw...fuck u debtors, pay ur bills LOL!
xKJAl 2 years ago
And fuck you too xKJAI. Don't you think if the people HAD the money to pay their fucking bills they would? All debt collectors have to abide by FDCPA (your pea brain can look it up.) If they can't reach you they can call your relatives or friends ONCE. Yes I think that people should pay their bills but there are federal laws that collectors have to follow. And they have no problem with "embarrassing" a debtor? Must be like working for a tobacco company - fuck morals, it's all about the money.
gears2boomshield 2 years ago
The program is very effective in tracking people down. Its called "Accurint." However the motivations and personality type of these collectors are terrible. Everyone hates collection companies until they actually need one. However, I would never hire those two at my agency. They're an FDCPA disaster waiting to happen.
forthecause 2 years ago
Jesus H. Christ, even child rapists have more of a soul than they do!
hardtechnoboy 2 years ago
Wow, if you think that, you got some issues
forthecause 2 years ago
the Zeitgeist Movement (Venus Project) seems to be the most viable approach for redesigning society and eventually shutting down the monetary/credit system.
It's pretty sad that some people are willing to hurt other people in order to protect an institution of slavery. They should quit their job and find ways of contributing to a wiser, more healthy and more prosperous society for everyone.
ConsciousCosmic 2 years ago 8
who ever watches this is gay
ps if u are bold enough to leave a comment on my page ill smash ur knee caps
princelord55 2 years ago
e-fuck-tive
Xnothinbetter2dewX 2 years ago
did she say more efFUCKtive at 0:35? Sure sounded like that to me.
Xnothinbetter2dewX 2 years ago
No, I think she has an accent when she said that word. Or she said it incorrectly.
roxcyn 2 years ago
Having dealt with these unprincipled dickheads nothing in this video surprises me.
For an interesting view of the debt cancellation industry watch my video response!
jeremyholtom 2 years ago
I wonder why debt collectors buy deliquent accounts after the Statute of Limitations has run out on the debt..?
Dewdaahman 2 years ago
@Dewdaahman -- because they are hoping you don't KNOW the Statute of Limitations has run out. Debt Collectors are scumbags who prey on unfortunate people, hoping they do not know their rights.
gears2boomshield 2 years ago
This has been flagged as spam show
prey on unfortunate people? WTF are you talking about. I do 3rd party collections for Bank of America. I deal with people that got a BOA credit card, went nuts with the card buying everything in sight and then make no attempt to pay on the acct. You say that they areunfortunate people? Well fuck that, we call them thieves. I've been calling the same 120+ ppl for the last 3wks and guess what, I'm going to keep calling until I get the fucking money from the dead beat assholes.
kng420 2 years ago
@gears2boomshield You do realise that most debt collectors dont work with acocunts past the statute of limiations.
badpanda84 2 years ago
@badpanda84
Sure they do. My boyfriend has a debt from over 10 years ago for 700 which they more than likely bought for 50-100 dollars. They don't call very often but I love it when they do. Most debt collectors are morons. They know nothing about law or what they can or can't do (garnishments, liens, lawsuits, so on) considering the laws of the state you're in. If they had half a brain they'd have a better job.
grrngirl 1 year ago
I'm a debt collector and the money sucks ass. I don't know where you all live and what company you all collect for but I must be at the wrong location. Oh and I get collectors calling me too and I just screw with them since I know the routine.
RaiderDonnie 2 years ago
Why do you work for shitheads like this raiderdobbie? Do you want the bad karma?
jeremyholtom 2 years ago
Comment removed
badpanda84 2 years ago
I love debt collection...i'm a debt collector and i have made good money from the comissions i get.
We do call the neighbours, we do not disclose anything. If a debtor is ignoring our calls we just call everyone in the neighbourhood and leave messages,,,,its embararissing and they pay.
I fuckin enjoy it.....
aaronkimi86 2 years ago
What use is money from a job if your bad karma gives you cancer aaronkim?
jeremyholtom 2 years ago
Karma? WTF! First of all, karma does not exist, its just a placebo.
Second, good & bad is a matter of perception. wats good for someone may be bad for another & visa versa
Third: If u say karma exists, they it must not only apply to actions but a persons thought as well. You had a bad though about me having cancer, which means you will be a victim of karma too someday. U believe in karma but at a subconscious level u dont follow it.
Hence Proved : you are a hippocrate & karma is crap.
aaronkimi86 2 years ago
Got news for you......it is isn't embarrassing at all. It may have been before this recession, but not now. A lot of us are in the same boat. So, your enjoyment is all in your head. We are the ones who are in more of a bargaining position than you!
bartonski 2 years ago 2
@bartonski Right on!!!! :)
funkyfrogful 1 year ago
100 years from now when we are all under the dirt will it really matter??? fuck bill collectors i laugh at them i love caller ID never answer. hahahaha
dagreenone00 2 years ago
Is there such thing as debt collectors that are like Samuel L Jackson and John Travolta in pulp fiction? lol
vhghe 2 years ago
I'm a collector too, and I love it. The money is great and you learn a lot. In most states it's perfectly legal and acceptable to contact neighbors and family for the purpose of location information.
Most of the people that complain are the ones that drive themselves into tens of thousands of dollars in debt and can't get out. Not my fault
CGres 2 years ago
i hope you die of cancer
jerryleelewis13 2 years ago 3
@CGres How is it "acceptable" to call their neighbours?
their debt is private information isn't it?
Would you be happy for your doctor to tell your neighbours about your genital rash?
neil9327 2 years ago 4
I understand that. All they can say is that they are trying to get a number for you to contact. No, it's illegal to tell them about the details (just as your example with the doctor) but they can call asking for the person's location information.
roxcyn 2 years ago
@neil9327 Exactly you cant tell the negihbour about the debt. If they ask what it is regarding we say " its regarding a private business matter"
But you will be surprise at how many people will give out information if you ask ,
badpanda84 2 years ago
@neil9327 If the company collecting the debt abides by the laws in which it is governed, when they call a neighbour the details of the account aren't discussed with the neighbour its just a way of passing on a message to have the person of interest call you back.
jackomotoe 1 year ago
@neil9327 Its not legal they can only talk to you or a spouse about your debt..
rheard3894k 1 year ago
@rheard3894k after you tell them to stop then its called harrassment. how can you be so ignorant or the law
loganachilles1982 1 year ago
@loganachilles1982 I know thats what it is..But unless you write them and tell them to stop that way they will not stop and even then they may still call you. I hate debt collectors as im sure you do. They prey on people who really have no means to pay. If I had the money to pay you would not be calling me. If I had a relative/spouse who could help me then you would not be calling me.
rheard3894k 1 year ago
@neil9327 see, here is where the grey line begins, because you are 100% right. It IS illegal to inform your customer's debt to anyone besides the customer and spouse. That is why you convey a message of "matters of great importance" to the neighbor, rather than disclosing private information. The neighbor obviously knows, but hasnt been told anything. Keep in mind that these tactics are usually used when your customer has been avoiding you via not answering, or cancling contact info.
projectloki 1 year ago
@neil9327 I GOT MY genital rash from my neighbours ;)
MegaHayhayhayhay 1 year ago
Course it's your fault cgres. You spread negative energy. Do something else!!
jeremyholtom 2 years ago
THIS place should be shot up
wkruk1979 2 years ago
@wkruk1979 real mature, I think just for saying something like that you should be arrested for possibly planning a terrorist attack
xCmOn3yx2 1 year ago
how could someone do this for a living. i hope there kids dont find out the mom or dad is worse than a whore
paddywackwacky 2 years ago
im a debt collector and i love my job
primo714 2 years ago
right on primo, i too am a debt collector and every day is new and exciting to me because you'll never have two days that are alike
jarod101 2 years ago
yup jarod i love calling the daebtr and just smashing on them and getting the money who you collect for
primo714 2 years ago
if someone iss in bankrupsy YOU CANT CALL ME!!!
wkruk1979 2 years ago
0:39 you stupid bitch, it's thinking like that, that makes creditonebank call us 11 times a day for someone who doesn't live here and is about to die soon, and the power of attorney doesn't live here either. Instead of taking all the info we give you for contact information and using it, you continue to call this number 11 times a day, maybe more... how fucking productive is that?
twdtyro 2 years ago
It actually is illegal to call the neighbor/boss/relative, genius. The problem is most debt collection agencies deal with people who do not know the law and usually feel very desperate.
A janitor at my building actually had a collection call for $800 once and they called his mother. Too bad one of my colleagues is a law freak and gave him directions how to sue.
Result? The debt collection agency was successfully sued for $700 + legal fees.
Know ur rights people!
goma3 2 years ago
This has been flagged as spam show
Its illegal for them to tell a 3rd party the reason thier calling the debtor, but it aint illegal for them to call asking for the debtor..
rowdyws6 2 years ago
Know your state laws! Certain states disallow the calling of nghbrs and reltves...some however have large loopholes.
billdiana 2 years ago
My brother worked as a collector for 8 years. He said it was the worst job. There is unbelievable pressure for such a low wage.
robert21256 2 years ago
Why would someone stay on it for 8 years then?
billdiana 2 years ago
He never had a lot of aptitude or skills. He never had many choices and took what he could get.
robert21256 2 years ago
He must not like making money. Many of my colleagues made over 6 figures last year...AND THATS IN A BAD ECONOMY!
billdiana 2 years ago
I believe it's illegal for them to call a neighbor telling them they are attempting to collect on a debt. That's probably a lawsuit waiting to happen.
addbball 2 years ago
Comment removed
rowdyws6 2 years ago
i got a call from debt collection and im only 13 lol and they wanted my parent guared what does that post to mean? and they said my name but im only 13 lol.
BigSkyBoss 2 years ago
call mr. gunzalez @ 1-559-650-7109
he says he can do anything he wants!
he told me if i cant pay my hospital bill, i shouldnt go to the hospital, even if i call 911
troylustig 2 years ago
They can't call your neighbor looking for you. They can't call anyone and tell them to tell you something. That's legally harassment of whoever they called to get a hold of you.
rbfjunkie 2 years ago 2
Ive seen that guy before on craigslist - he has a small penis and likes bareback .
mark871162 2 years ago 8
Don't feel sorry for these so called "victims" of debt collectors. Remember, these people legally OWE money. They borrowed money from a lender and failed to pay them back so fuck them. They are a drag on our economy. No pitty for these deadbeat losers. They are scum to me. Because of them, the American dollar is worth dog shit. They abuse the American Credit system.
On the other hand, I can't get mad at someone for being in MEDICAL debt. We all know hospitals, doctors, etc. are ripping us off
SexSteakSoda 2 years ago
stfu your such a clueless loser 4 someone whose name is as pathetic and juvenille as yours meet me n my homie obama in da hood were gonna f u up son
preppyboinj 2 years ago
NO. It's because of the creation of money out of thin air and lending it out at enormous interest rates that every dollar in circulation is relentlessly devalued by inflation. The Federal Reserve Act of 1913 = Congressionally granted permission to legally counterfeit our currency. NO person or business except a Fed Res chartered banking institution is legally allowed to counterfeit (create money out of nothing) and make interest on it. BOYCOTT THEM: watch?v=GJMQCcFFzak
HurricaneHeidi 2 years ago
I worked for a collection agency for 15 years. Never pay a collector. Contact the original creditor. Dispute the bill with the collection agency with certified mail demanding validation and verification of debt. Also place in writing that you do not want any phone calls and all communication needs to be sent through mail correspondence.
jesusisascam1967 2 years ago
The banks and creditors have every right to send a collector after you. It's the banks and credit unions money not yours. They just want whats rightfully theirs.
mantyxc 2 years ago
I agree with you to a certain extent. I am saying that because many debtors don't care to pay their bills. Sometimes debtors need people to push them to pay their debt. Nevertheless, there are those who have graduated from college who want to be able to pay off their debt, but can't because of difficulty finding jobs right now. At the same time, the lenders don't want to offer deferments and prefer to use a collecting agency to threaten and harass the students who are in debt.
chuckmanofgod 2 years ago
and whats the worse they can do? cant trow me in jail cant send someone to the house ALL!!! they can do is put a negative mark on my credit
wkruk1979 2 years ago
@wkruk1979 actually they can send someone to your house. - Its called a "feild call."
badpanda84 2 years ago
thats illegal.
JessArtStar 1 year ago
@badpanda84 i would love to see one of them come around my house
lerxt42 1 year ago
Actually they usually outsource there field calls, But one of the companies that dose them is Express Mercantile's
Of course they still cant threaten you , but the purpose of a field call aside from confiriming address and demanding payment is to see if you have any assest.vechiles. and wheather it's worth the effort to sue
badpanda84 1 year ago
i wounder if there systems could get hack and if they get it back up then hack it again and again and again.
toonyfatninjas 2 years ago
NEVER PAY A COLLECTION AGENCY, EVER!!! Tell them to go pound sand.
sritger 2 years ago
Never pay a collecter!!!
Unless its the IRS, Child Support, or unsecured debt worth more than 10k, collectors have really nothing more they can do but use but cheap scare tactics.
amotisi8859 2 years ago 3
if they called me about somebody i know,
i would tell them to shove the head up
there ass and rotate'
firstwave2 2 years ago
Maybe in a good economy, it might be embarrassing to people who are behind on their bills, but when you have 15% of the nation who lost their jobs its hardly anything buy embarrassing.
rickyguerra4 2 years ago 3
I use to work collections and calling a debtor's relative is very effective and gets a response.
jesusisascam1967 2 years ago
I don't givce a shit what they do they will never get anything from me i will kill myself and my father to prevent them from taking things from me.
ohytr11 2 years ago 2
When they garnish wages there is very little a debtor can do? Check the FDCPA and your state laws and you may be a able to get a collection agency on a technicality?
jesusisascam1967 2 years ago
I got sued but they cant garnish my wages because i only make 115.00 a week and in illinois you must make 349.00 a week for them to garnish from me they will never see anything.
ohytr11 2 years ago 2
This makes you a bastard.
yahoochatter 2 years ago
and you know what/ its also illegal
you cant threaten me with jail
or take my car away or take anything away
wkruk1979 2 years ago
@jesusisascam1967 Didn't work for me! My relatives understand the financial climate and they care a damn sight more about me than they do about a faceless collection agency :)
funkyfrogful 1 year ago
leme tell yall something, if i got a call for my NEIGHBOR and his bad bill, firstly i would tell you to piss off and if you called my house again for someone whom dosent live here trying to collect a debt.....YOU would be the next to be getting those calls! Ever heard of Harassment?
cldavis1978 2 years ago 3
I wanna rip those dimples outta that ugly dudes face
zakyum 2 years ago 3
Makes you want to take a shit on their desks.
jonnyethco 2 years ago 5
these people wouldn't be necessary if dead beats didn't live outside of their means
stonr500 2 years ago
so called dead beats aren't living out of their means...creditors are raping them for triple what's owed, piling on fees in hopes you can't keep up, then selling the debt for avg 5%...why do they sell the debt off so cheap?? Because they know that's all they should be entitled to...then they let the bottom feeders go after money that was never theirs...get off your wanna-be high horse, you're most likely the dead beat in more areas of life...the stonr name says plenty
StephMNJ 2 years ago
cost of borrowing is disclosed upon approval.. people are told what their getting charged, it's their choice if they want to acknowledge what their actually paying or not.. in business a company seeks to maximize profits, if people are willing to pay 20% then why not charge it. when i worked at a retail bank i saw first hand how people lived outside their means and then worried about it when it was too late.. btw the stonr is not what you think, its an acronym, so go fuck yourself
stonr500 2 years ago
AGAIN pay a debt settlement company for a year insted of a credit card company they will HAVE TO settle with you than
wkruk1979 2 years ago
@stonr500 Banks are duty-bound to carry out SENSIBLE LENDING - aren't they supposed to be the ones with all the financial smarts?! They screwed up US and UK financials BIG TIME and had to go crying to the governments for a bail-out. They are also insured for bad debts they can't collect on - people do die you know - you CAN'T collect on every debt! So they risk assess them - or they damn well should. Don't blame the consumer. The banks NEED us to want credit. Parasites always need a host...
funkyfrogful 1 year ago
I couldn't imagine having this type of job. My life would be so miserable and I would probably be cynical with people for the rest of my life since that's what these people are; they are such jerks.
chuckmanofgod 2 years ago 3
These people are the scum of the earth
billyadore 2 years ago
Lol Sarah Palin.
HolIywoodUndeadMusic 2 years ago
SCUMBAG BOTTOM FEEDERS.
I have my own method of frustrating them - see my channel and my video: "How I Deal With Those Annoying Debt Collectors - and have some FUN" ...
and my featured video about how I defeated them in court without hiring an attorney: "DEFAULT !!! Escaping the Debt Trap and Avoiding Bankruptcy".
HurricaneHeidi 2 years ago
Debt collectors legally can call to inquire about your whereabouts. Debt collectors CANNOT make any mention about a debt! Absolutely not! Get informed about your rights and wipe the smirk off these debt collectors with evidence they've violated Fair Debt Collection Practices Act.
paynemdp 2 years ago
this is from the documentary MAXED OUT
read the book of the same name !
musicgeek3 2 years ago
A debt collector called my mother about back taxes that she could not pay because she was in the HOSPITAL. They also called the neighbors and her job. Finaly they made threats of jail time. I counted 37 different violations of federal law in their messages and phone calls. Imagine their surprise when the debt was paid with their money given to us when we destroyed them via a quick and just lawsuit. Protect yourselves. If they threaten you once, they can be sued.
XiXUSMC 2 years ago
This has been flagged as spam show
Yes... and you CAN defend yourself and defeat debt collectors without an attorney... I did. Check out my channel and watch my videos, I tell you how.
HurricaneHeidi 2 years ago
Right On! The government needs to also do a much better job of protecting consumers from debt predators. Most of these debt collectors need to see the inside of a jail cell, and that's no lie!!
bandibreath 2 years ago 2
You people ought to be embarrassed. So much of what your industry does is not only illegal, but unethical and also s