How to turn the tables on collection agencies: New book

[WelshWidgetMan2O1O]

I became disabled and can just take care of myself anymore but two creditors have already sued me last year. I explained to them I was disabled but they didn't care. In fact, it only brought out the true asshole factor in them even more (I'm sure they hear it all though). I was surprised to actually get sued twice in one year but it DOES happen, and we're talking thirty-five hundred dollars owed for one and just under two-grand for the other. I guess they dropped their criteria these days.

[missshellbrady]

@JanRichardus

ya they are so horrible for holding you responsible for not paying your debts...omgoodness so horrible...... please please ruin our economy more by not paying your bills :) thank you for your contribution

[avocatdenis]

@JanRichardus Let's put this into perspective. You lend $1000.00 on a good faith with a promiss by the borrower that he/she will pay it back. Not sure what makes the debtor thinks that he/she doesn't have to pay it back. The one who loaned the money simply wants it back. If a collector is, as you say "scum of the earth", what do you call a person who borrows money from you and refuses to pay it back?

[missshellbrady]

@avocatdenis

owned. simply owned.

[artsychic2000]

There are penalties for accessing your credit file without your permission. Don't just tell them to go screw themselves. Check you credit file to see who has accessed it without prior authorization. These people have violated your right to privacy. Let THEM know you intend to sue by letter. They will likely want to settle with you. I believe the fine is somewhere in the nature of 1,000

[missshellbrady]

@artsychic2000

Oh yes your letter stating you are gonna sue is so frightening. They will straight up laugh at you. My goodness. Ridiculous

[artsychic2000]

@missshellbrady you don't know the law you idiot. Someone can sue you but if you don't challenge them based on the law they win. There are not too many idiots out there like you thank God. The world is bad enough as it is. May God forgive you for your ignorant and callous approach to people that are suffering at the hands of these predators. Keep your ugly fat mouth shut until you learn the law. Your probably one of those dumb bitches they use to phone these peope

[TheDeadJustice]

cont... fraud fraud!!!!!!! the debt collectors are third party and need to be fired! and need to provide proof of standing in court, this is why they will not take yo to court as they are NOT party to the contract!! Tell them to fuck off and take them to court and ask them to provide the "original product agreement" that you signed in blue ink and to prove that they are party to your contract, they cant. they just LOST! enjoy!!!!!!! do not put up with their fear tactics, tell them fuck off!

[TheDeadJustice]

the debt collectors cannot sue you as it was the bank whom you had the unilateral contract with which is the application(not a contract where you accepted the terms of agreement before you were even approved of the card that you applied for). It is fraud! You did NOT sign to the agreement of the contract as there is none! the application is not a contract, ask for the original of this doc as they cannot provide it as they sold it to a trust company! only admit to the original doc the the copy!

[jon65706]

Seems like it would be a lot easier to just have some personal fiscal responsibility and never get yourself into this situation at all. However, do understand that some have unfortunate situations that get them into these kinds of messes. Try to pay what you owe. Its the right thing to do.

[zeroceiling]

Interesting..

not excusing those who racked up the debts but..here is the problem..

USA and to a lesser extent Canada..need to get the engines of economy working...

that involves ongoing and future consumption of anything from toilet paper to homes..

with the growing lists of people on the Credit Bureau "Shit List"....who...will qualify for all these goods we as an economy MUST sell to keep going?

Every day fewer and fewer people qualify to buy cars..boats suits ..whatever..

Cant go on..

[odmcarp]

HURRAYYYYYYY FOR THE DEBT COLLECTORS.

[supertrex2]

so... can the debt be still removed if u pay the debt collectors?

[mtahdrummerman]

It makes me laugh how stupid and ignorant people are lol just pay your debts otherwise there going to keep pileing up and your going to be oweing more! The collectors arnt the assholes is the debters who are too lazy to keep up there end of a deal

[AlienVisitor]

@mtahdrummerman Only A debt collector would say something that fucking stupid, its a prerequisite that you have to be a total piece of shit to be one.

[missshellbrady]

@AlienVisitor

you sound like someone who doesn't pay their bills. :)

[crozby80]

The problem with debt collection is they try to scare you into paying over inflated hospital debts. A patient with insurance is being charged 1000-2000 for a ct scan where a patient without will be charged 4000-5000 for the same procedure. I do believe people should pay their debts but I also think Companies should not inflate the bills.

[wgdefy]

collection agencies are getting the people that caused our country to be in debt by taking out loans and then not following up on their end of the bargain to ACTUALLY pay. oh damn those collectors for making the economy better. we should just get rid of them and completely tank this country

[dreamihad]

Collection agencies hire crack heads and ex-cons, do not give those fuckers your credit card number .

[212nycelle212]

You most def. want to write a cease and desist letter and ask them to verify the debt and to show the contract that you have with the debt collector. That contract must show your signature! When they can't prove it, sue them in federal court not state court! You can also sue them for inquiries on your CR! I've collected 1000's1! Do your homework people! Take your power back!

[missshellbrady]

@212nycelle212

i hope you used your winnings to pay the client that you owed ...oh wait...your above the law....darn the rest of us who aren't douche bags and pay for our responsibilities...

[212nycelle212]

Collection agencies are a fraud! There thrid party scum that bought your debt! You don't have a contract with them, which means no debt! Wake up people! Just like mortgage fraud! Challenge the bastards, study the law! Take them to court & make money off of them! Use the law against them! 

[Combatwolf21]

I've been watching these videos on youtube about how bad debt collectors are. These videos are a load of bullshit. Their are designed for people who are too fucking lazy and wants to make them feel right about weasling their way out of paying what they owe. They say all this crap about collectors that will say this and say that. I am a debt collector and i HAVE NEVER heard anyone for the company i work for ever say that saying crap like that is a good idea. they are actually against saying that

[212nycelle212]

@Combatwolf21 Collection agencies are a fraud! Lazy people...lol. Debt collectors are scum that would sell their mother down the river! People don't have a contract with you people, which means the debt doesn't exist! Educate yourself.

[missshellbrady]

@212nycelle212

HA! the debt doesn't exist? tell that to your credit score :) good luck trying to get a house, car, any type of loan. pay your bills and be responsible and you wont have collection agency problems

[Anavengertg]

Dumb advice. The LAST thing you want to do is send a cease and desist letter...

[capnjacksteele]

"a threat of an ass whuppin " by vamtheanomaly was funny as heck..lol.

[vamtheanomaly]

A threat or hint of an ass whoopin to the person on the other end stops most desktop warriors if you word it right.

[tubofbologna]

i dont owe anyone anything... i dont spend money that i dont have...

[threetime1]

@tubofbologna So you live in the woods? You pay rent or own a home? Stop acting like you are better than anyone. You don't someones situation. Go dry hump your mom.

[tubofbologna]

@threetime1 .. no i'm just not an idiot that makes large purchases to which i cannot even pay the minimum on a financed bill.... and then be a deadbeat and hide...and on top of that complain about collectors and look for ways to avoid them... i pay all my credit cards...insurance and such in full.... thus i have no finace fees or such...saves me alot of money