Reporter Exposes Even More NJ Debt Collector Tactics

[LoudMan01]

I'm a Debt Collector :D

[bazfanv2]

That should be classed as manslaughter most definatly

[SpyTheChochaMan]

you ever notice that the only people who "back" the debt collectors are those who have never had to deal with that problem? interesting right? i think its called...Argument from ignorance.

where you start off not knowing the workings or anything about a subject, except the fact that you saw it, heard about it or something. and then claim you know everything about being in that situation without ever truly being in those shoes.

1 day in the ghetto of anywhere usa, and all these opinions change

[hearts76100]

DEBT COLLECTORS ARE SCUM!!!

[MMZen]

Caught On Camera....COC!!!!!!

[RuthlessCreditors]

I haven't heard any of these calls yet but I know they are out there.The public needs more awareness of these tactics.

[KingBritigan]

Correct. And most collectors don't.

Problem is you're never going to see good press about a debt collector. Noone's going to bother to post a blog about how a debt collector treated them very respectively and offered them a settlement for 50 cents on the dollar.

Many of the above posts are a demonstration of people taking things, not paying for them and justifying it.

Next time you open a credit card and wonder why you're prime interest rate is nine percent. Read above.

[SpyTheChochaMan]

@KingBritigan

dude...wheres your soul? seriously... your worried about a interest rate on a friggin credit card, and not a persons rights?

what if it was you... what if.. god forbid, a tornado came thru and destroyed your home,car,and job, went downtown and then took away the bank. now you have no insurance, cause well,, tornado's dont pass by often around your way. Now..your in the hole..you spent all your money on getting everything back..but your in the hole..

would your tune change then?

[arthuraveboy]

why do people answer the phone get an answering machine.

[roxcyn]

If they were treating me like that I'd definitely record it, and definitely would sue the CA and the collector. No one should curse, make illegal threats and handle themselves in an unprofessional manner.

[HarveyRex23]

I'm willing to bet most of these debt collecting representatives don't even have high school degrees and GEDs. Most of them probably have worst credit scores than the debtors they try to harass, manipulate, and intimidate into paying.

[ThePepper]

They probably don't even have a second grade education. If they did, they wouldn't work as low-life scumbucket debt collectors. The practice of selling debt should be outlawed so garbage like this won't have an opportunity to harass and abuse people who are infinitely more honorable than they are.

[badpanda84]

@ThePepper So if someone says "fuck off I dont want to pay"' what are you meant to do.

[ThePepper]

I was talking about debt collection as an industry. Perhaps I didn't do do the best job of making myself clear. If someone deliberately decides they don't want to pay for something when they should then of course someone should go after them. What I have a problem with has more to do with junk debt collectors. These are predators who bank on the fact that people don't know their rights and shake them down when they have no legal right to collect a debt that's been charged off 7+ years ago.

[ThePepper]

Those people can't make an honest living so they deceive otherwise honest people out of their money. They're called bottom feeders for that reason.

[badpanda84]

@ThePepper To be fair though not all debtors are honest people.

Some debtor obtaining goods and serives with no intention of paying. That is what I would contsider theft.

[ThePepper]

That's exactly what I'm saying. Some debtors aren't honest but some are. I remember being 18 once and made my last payment to ATT. Some weeks later I started getting harassed by a collection agency. At the time I really didn't know what my rights were but I refused to pay them because I already sent ATT that last check. (con't)

[ThePepper]

What I found out sometime later was that the check I sent was indeed cashed so they got their money. Some of the tactics they describe in the video, I've experienced first hand. A lot of these debt collectors really don't care about the accuracy of the records. As far as their concerned what it says on their computer screen is what the truth is.

[Rainy809]

When debt collectors start lending out physical money that they produce with there sweat and labor. Then I will start paying back my debt with my labor. Otherwise its just money created out of thin air. Not backed by anything except by citizens labor. There is no such thing as Paying bills. All debts are prepaid by the government according to Hr-192 House of Resolution.

[KingBritigan]

Even though what the collectors in that audio did is blatantly wrong I have to point out one thing.

The tips mislead you. Collectors can call the employer, relatives or neighbors. They just can't say it's to collect a debt.

[angelmannj]

i think that is implied. most people are aware they can call to find out where you are.

[roxcyn]

Just a quick correct to the video, yes you are right. They can call other people BUT they cannot discuss what it's about just try to get information about the consumer.

[Rainy809]

Credit cards companies liquidate you Depository Trust Fund with the IRS. Meaning there is a bond behind everyone's social security number. So when you fill out a credit card contract they get paid already for that money. Then when you dont pay it they get paid again. Banks dont lend money just numbers from one account ledger to another. The only real money is the working citizen of America. And they are using us as commodity and slaves stealing our sweat and equity.

[SpyTheChochaMan]

@Rainy809

GOD SOMEONE GETS IT! OMG!!!! FINALLY!!!!! 

[Lonnster100]

What debt buyer do you work for? Seriously! When a debt buyer calls trying to collect a debt, the debt is no longer due an owing. The creditor has already written it off and cannot get paid at this point. They sold the rights to collect!!! Furthermore...NOBODY signed a contract with the debt buyer...There WERE NO goods or services to be paid later because there was NO contract with the debt buyer. There were no goods and services to the debt buyer. Seriously, which agency?

[z073446]

Lonnster illustrates an ingnorant mentality some blissfully cling to: ONLY a collector wld say, "pay yr bills" and we dn't have to pay them. I cldn't possibly b someone working down 25k+ of debt herself, right Lonnster?! Credit contracts have a section stating that, should the account default, and the original creditor passes it to an agency for collection, you agree to pay that agency the amount owed. So it is stil VERY SIMPLE, if you want to prevent/stop this, KEEP/START PAYING YOUR BILLS!

[Collectiondebtgone]

z073446- wrong again. lonnster100 - yes again.

[oyemijo]

Debt buyers take advatange of that contract LOOPHOLE which was specifically created to protect those truly representing the original lender or collecting for a bank. Debt buyers do not collect for banks; they collect for themselves on a voluntarily purchased "bad debt" investment. If the original "lender" no longer has claim nor interest in getting paid then the relationship with the debt ends, and no one else down the line can claim on that debt either.

[macuadolphin]

You need to educate your self and not belief the BULL@#@. THERE IS NO MONEY. If there is no money there is no debt. FRNs(federal reserve are not money. They loan you your own money and charge you interest. Do you know what Ultra Vires is? Do you know what equal consideration is? IT'S CONTRACT LAW! EVERY LOAN IN THE COUNTRY VIOLATES IT PERIOD. STOP BEING IGNORANT!If they loaned you THEIR MONEY you would have a point they don't!!!!!!

[bandibreath]

Go Bart and Linda! these debt collectors should be rounded up and jailed! Why is it that even though these people are breaking the law, that they can't be rounded up by the feds and thrown in jail? Our federal government needs to hold hearings on the debt collection industry, and these people should live in mortal terror of government intervention into their wicked industry.

[Collectiondebtgone]

The reason it cannot be stopped is because it it connected strong with the govt and goes way up there (read between my lines). This is a trillion dollar industry.

[HeyDork]

One of these scumbags called my work after one of my coworkers I suppose to, 'embarrass'them into paying their debt.

I basically told the women whomever she was that it was illegal for her to contact a debtors place of work and I think I caught her off guard and tried to press me into telling her where he could be contacted and I basically told her to blow it out where the sun don't shine,not very nice I relieze or even in character,but these guys ARE ruthless.

[coltfan1972]

Fuck these assholes. I have a $115,000 suit that is pending right now. These assholes thought I was just another easy push over. I'm throwing the biggest party for me and all my friends and recording it and then sending it to these assholes with a note that says... Thanks a lot let's do this again real soon !!! With everybody flipping them off and me holding up my settlement check.

[ItothaGO]

Drink a shot of 1800 for me, dude!

[koolbreez07]

this is some horrible shit how could anybody do this to citizens who contribute to society and pay taxes. Debt collectors are a fraud and don't own or buy any debts don't pay them a dam dime. Shoot them down with the FDCAP law UCC law and FRaud law .

[RESCOMPBSNS]

Video #2 of Brenda Flanagan exposing the Cretin Debt Collectors.

Everyone should learn the Laws about Debt Collections and how they are constantly trampled on by these people; and everyone should learn about the people that help them get away with it.