Part 2 of 2.. So before you go on and on about people just not paying there bills. I wouldn't wish this apon you for anything in the world. But my bills weren't paid because I was busy learning how to walk again, having to catheterize myself 4 times a day, and giving myself injections of antibiotics 3 times a day because I developed an infection, probably from the nature of my job which causes me to take care of other people and exposes me to more bacteria. I'm not even at the tip of the iceberg
@mastershredder2009. art 1 of 2. Havn't you taken into account that some that stop paying there bills is somehow due to a nature that is beyond their control. I'm a registered nurse that has dedicated my life to helping other people. Almost one year ago I suffered from a spinal cord injury and had to take some time off of work. I did have insurance including disability insurance, but while I was off and recieving 50% of my normal wages I was racking up on medical thousands of dollars of bills
@mastershredder2009, Dave's not disputing that the money's owed or that collectors should collect. The problem is the rampant abuse & law-breaking in the industry. Our family went thru a terrible period of deep underemployment and we found the bill collectors to be appalling MORE OFTEN THAN NOT. In fact only 1 person talked to me reasonably. The rest would use all of the tactics, and more, that Dave describes here. We WANTED to pay. Were we stupid to borrow? Absolutely- but it didn't help then!
Hey, its really simple. Stop blaming your faults on everybody else but yourself and pay your bills. The only scumbags are the one's that keep collectors employed by not paying their bills in the first place. Seems to me an
easy solution. No unpaid bills, No collector calls.
Rent or utilities got paid that month? When I had to collect on bad debt I would be honest, this company and it's owners will sue you, they will garnish your wages and it will take years for the judgement to fall off. Show up to court, but the judge will say.. Did u sign this? You'll say yes and then we garnish your wages... Honesty not bullying works!
I don't think ALL collectors are scum but the ones who continually harass such as in the cases you mentioned are something maybe worse than scum! I worked with a guy who threatened to go get the police involved... Truth is it didn't make anyone pay up! I myself have been a payday loan collector.. I hated my job, realized the company I worked for were bottom feeders because the people who turn to those type of loans don't understand the whole they are digging! But at the same time maybe their re
google apierrelaw and fill in the online consultation to learn how to get revenge on bill collectors by making them pay your for violating your rights.
collection professionals? What horseshit! What college degree do these people have? Debt collection companies, parking authorities, private clamping companies and bailiffs are just extortionists and racketeers living under a false legal name.
i dont think any person using credit cards to buy their pizza, gum, buying clothes, living like kings..as they max their cards...ever had the credit card companies TWISTING THEIR ARMS to abuse the cards..DID THEY?...put the blame on whom it should be....the CONSUMERS!..
I had one call me about a truck I hadn't had for 2 1/2 years. Had to do a shortsale because I lost my job and couldnt afford it. They wanted 5600 for a shortsale I owed 3071 for. They wanted 5600, I said I could give them 3250 cash money right now. It took them a few hours, but they accepted and Im glad its off my back and I have a job now.
everytime I get harrassed by collections it's always a nigger, I think they hire ghetto monkeys so they will intimidate over the phone like they do in everyday life p.s they call about persons that have never been at this address or phone #
@scrappymetal1 lol I don't even know where to begin on your comment. Usually it's the blacks that are in debt and getting harassed by companies lol and the fact that you're trying to insult them when you are the loser who spent too much and didn't think ahead is somewhat funny as FUCK!
Mr. Ramsey is telling you all what you want to hear. He is making money selling you a dream. He is referring to a group of bad apples in much larger group. When you listen to Mr Ramsey, you are giving him your time. He then sells some of your time to advertisers. Its not worth much, but when a million people tune in to him, he gets rich. Wake up guys, you're being stroked. He is making money pointing out the bad guy. Hitler did the same thing.
@tgerambio It sounds like you've never read his books. He is definitely not telling people what they want to hear. He's telling them what's necessary for them to take the action to get out of their debt.
This guy seems to be a douchebag and has a very narrow perspective on things. He keeps spouting off about laws, but maybe those laws shouldn't exist. If you don't pay your bills, maybe you deserve to be arrassed by collection agencies. I'm constantly being harrassed by agencies to collect debts I never answer my cell phone unless it's a number I recognize and ignore all their mailings.However, I don't get mad at them.If you don't pay your bills, then accept the harrassment & stop whining.
@yahoopl3 are you kidding me? are you aware that sometimes debt collectors call people who do not even owe a debt and harrass them because a family member who died was in debt? They try to trick people into paying debts they don't owe, or abuse them hoping they will cave. Also at times someone might not have the money but the collecter won't care and will try to get the person fired. It is illegal. Just because you do not agree with a law does not mean its OK for someone to break it.
Like I've said. To those who disagree with me. I don't give a fuck. Maybe if banks, which they never will, would pratice ethical business to the world public at all times, people like myself would be honored to pay them back. But nooooooooo. The banks want to greedy avarice assholes.
must write a letter to the debt collector who is harrassing you and put in their they are not to call your current number, any future number, conact you via email, not to call current and future employers, relatives, future dreams, in this life time or the next. End the end, state these request are to be adhered for the next 99 years from the above date of this written letter,
For those who owes debt to banks. Fuck the. Don't pay them shit. People have the nerve to say that's unfair not to pay back debts. Are you fuckin serious? As much as the banks and the Federal Reserve, since 1913 have fucked us. Now you fuck them. Educate yourselves on how to beat the system. Read about statute of Limitations Laws. Collectors have a certain, per FEDERAL LAW to sue to collect debts. When that times passes, they cannot re-report it to credit agencies or garnish wages. You..........
excuse me I pay all my bills thank ya very much .You just troll on here blanket statementing your collection industry defenses because you work for them. I have lots of money and loving life right now so the jokes on you. But heres a thought, get out of the industry and acually contribute to our economy instead of extorting money from individuals who 1. dont owe a debt cuz you call the wrong people all the time 2. dont owe a debt becausue you purchased fraudulent portfolios ....cont..
excuse me I pay all my bills thank ya very much .You just troll on here blanket statementing your collection industry defenses because you work for them. I have lots of money and loving life right now so the jokes on you. But heres a thought, get out of the industry and acually contribute to our economy instead of extorting money from individuals who 1. dont owe a debt cuz you call the wrong people all the time 2. dont owe a debt becasue you purchsed fraudulent portfolios
I created a parody video skit in response. Many of the debt collectors believe the propaganda a company president states to them, as in the letter read, thus do feel in the right when making such calls. Now I will not disagree about the higher ups, but is it fair to blame the lower level employees?
@mattroark3 Ok, then why don't you enlighten us with some better advice instead of just talking trash ! you must be one of the SCUM that he's talking about !
@cartmanblue89 Why do you say that ? Retardation is not something you can choose to be, it's a sad part of life and reality for some ! ohh, I'm selling the Brooklyn Bridge do you want to buy it ? You sound like a idiot who is kowtowing to the corporate world, why do you feel sorry for ceo's who make millions by scamming people and using dishonest collection practices ? Don't leave a comment unless you have something intelligent to say next time !
@JChurch84 can i forward my bill to you ? obviously you have lot's of extra money if your willing to pay every debt collector who threatens you. Dave Ramsey is correct here and your retarded for not getting it !
@larryjohnny Your Grandfather paid his bills. He had pride and a sense of responsibility. You decide to see what you can get out of this world without hard work. I see right through you, and weep for your future.
@JChurch84 Your correct my Grandfather was an honorable man, but he wasn't the type of person to be intimidated by fraudulent business practices, tricky interest rate schemes, and greed ! Here's a real world example for ya ! I pay for my insurance every month, I pay my copay every time I go in to see the Doc., out of the blue, I get sent bills from greedy laboratory's and x-ray tech, docs, etc.. who want another couple hundred bucks more than what insurance pays them, that's greed my friend !
@Annie4Bandit Reality: You got service. You didn't pay for said service. Reasons/excuses aside, you didn't pay your debt. I have a job, which is calling you about your unpaid debt. And you call me scum? I work everyday and pay my bills. You skirt your responsibilities, and blame me for holding you accountable. Look into the mirror and define what you see.
@JChurch84 I don't feel shamed over what happened to me. I was forced to leave work due to a severe physical disability. Prior to that I had outstanding credit and made decent money. Go crawl into a hole and die, Bitch.
@Annie4Bandit There are plenty of jobs out there in both customer service and collections and all you have to do is sit down. Seriously, stop mooching off the system and fend for yourself. Lastly, why does because you are having personal issues mean you do not owe money for services rendered? So whoever trusted your word now just is out their money? Reality: you owe money. Find a way to live up to your word. I that means anything to you.
@JChurch84 Hey clown bags, you dont even know what the debt is from Annie so I think you need to close the mouthhole. More than likely it was medical.You sir are why this country is imploding. Collecting on fraudulent "debts" is nothing to be proud of. Did you know its a felony in ALL 50 states to fabricate a debt intstrument with intent to deprive of individual, which falls under the larceny category called conversion theft and/or conversion of goods and services.
@JChurch84 3. dont owe a debt because its medical 4. dont owe a debt because its past SOL . 5 dont owe a debt because of felony conversion of a motor vehicle 6. dont owe a debt because the bank fabricated amounts as a "debt" you so that leaves about 9% of your portfolios that acually have a legitament debt to collect on. If I knew you were and what company you represent id have you jailed for being an accessory to a felony crime.
@debtpuncher You have no pride, you have no honor, you have no credit score. You reap what you sow. As your parents did before you, and your children will after you. Cowardice and excuse making run in the genes.
I had a debt collector harrass me in the past who tried to make me feel as if by 'not paying my debt' I was responsible for 911, Too often than not they are scum!
Ok learn how to spell. It is "You're" not "your". You obviously didn't read the post. Damn it was in two parts after all. First off I am no longer in the industry and second as I said I have seen both sides of the story. I had managers who would get away with murder and others who never raised their voice once to someone on the phone. Nobody wants to get in debt but America as a whole is addicted to debt. If a person is in debt they should brush up on the FDCPA ASAP to learn their rights
(((---CONT She had just gotten the #, and on the other hand people thanked me for listening to their tale of hardship. The FDCPA is highly outdated it strictly states that verification of a person's info must be provided by the debtor. A collector cannot go talking about the account to anybody they get on the phone. Unfortunately due to ID theft many people will not provide verification because they think someone is trying to screw them over. And their fears are validated constantly.
Wow this Ramsey guy is a FUCKING PRICK and has no idea what is he talking about. As someone who used to be in collections I've seen both sides of the coin, worked with people who should have been sued long ago and others who took extraoridnary steps not to break the law. It's a four sided coin I have been sworn at, called this name and that one time got called a child molester when calling a # for the first time. Got a 13 year old girl by accident. CONT----)))
@TWGRY80 Thats a very ugly comment. Your the jerk that threatens blue collar hard working Americans that are drowning in debt because they don't know any better. Your part of the problem not part of the solution. People like Dave are part of the solution so why don't you just shut your mouth you scum debt collector.
At the end of the day if collections is even car repos, home foreclosures are just as evil. Mr. Ramseys use cases of rogue non-compliant collections that should land anyone in prison. In summary his speil is a load of crap from 09. Collection agencies were the wild west back in the day but have cleaned up or at least sued into oblivion. These days most agencies are super compliant. And all the rogue collectors left, because they just don't make as much money anymore.
I work for a extremely large agency and have collected on student loans, credit card debts, homes cars etc. You name it I have probably worked on it. The problem with Mr. Ramseys comments are this: most original creditors want nothing to do with the consumer any longer, once you have defaulted and haven't paid for so long.
They want their pitbull to handle it, that pitbull is a collection agency. People need to be realistic, yes bad things happen to good people. But good agency don't steal from your bank account, nor do they try to rip you off. Do we try to get you to pay as close to the balance as possible, YES, but you signed the contract and plenty of people pay all their interested and late fees also. Also in the end the lower your settlement the harder your 1099 will be on your taxes.
@Jbuonocore what a piece of shit this guy is hes a debtor he owes money and he plays the game to dodge his debts.im sure his wife or husband cant stand him,so he makes these stupid videos to make himself feel better HE IS A DEBTOR and is why we all pay higher interest ratesget a job u loser
@1debtcollector You obviously don't know Jack about Dave Ramsey Haha. Dave Ramsey is not in debt. He is a very wise Christian man that has helped hundreds upon thousands of people get out of debt. I have just started following his Total Money Makeover and I have already paid off two credit cards and am continuing to make progress everyday. Wise people get out of debt and save their money you fool.
I work for a debt collection agency for commercial debt but here is why the economy needs debt collection agencies....for all you people that think debt collection agencies are scum what are you going to do when your own job has unpaid accounts receivables and they can't collect then your own company has cash flow problems and then in turn can't pay YOU?? and then you can't pay your bills collection agencies are needed for the economy deal with it
I agree fully with Mr Ramsey. Collectors and Law firms "gone collector" are scum. It seems way too many collectors from top to bottom have the "Jesus Syndrome" and think they can get away with just about anything other than murder...and I've heard of threats of murder even.
If a debt collection agency buys your debt without your consent, then thank the debt company and tell them to piss off. Tell them to show you a contract YOU signed between you and debt agency. If no contract then there's no debt. Simple.
If I ever go to Brentwood, Tennessee to see Mr. Ramsey in person at Financial Peace Plaza to declare my debt freedom in front of his loyal listeners, I want to be debt free including the house, but I don't want to go alone.
sometimes I wonder what's the point of being debt free including the house when you're gonna live alone because you're single and have no children? sure on one hand it's cool to owe nothing, weird! but if you're like me you go to bed somewhat depressed wishing you had a spouse and even a child to share your life with.
People must see the difference between buying something and trying to wiggle away from paying for it (dishonest on customers part; theft)
- or to have shit happen that makes it difficult to pay stuff, and then have sharks attacking, leaving even less possibility to pay the original debt.
A Canadian debt collector called us threatening that they will deport us back to Chile (not we're from) just because my dad had an accent and started to curse at us, calling us leeches and good for nothing. I kept calm and told him not to dare talk to my parents like that, and he threaten to call the police because we did not payed some stupid bill. I recorded the call and have everything he said on tape, was it illegal from my part to record him? I want to take this to court as proof.
Call me crazy, but I believe that you should be obligated to pay back what you borrow. I racked up a bunch of debt in college and didn't settle but paid it back in full. I actually went hungry and set the thermostat lower than I would have liked in order to do so. I know some deadbeats that settled for less than what they owed but not me!
But I'm the kind of guy who paid for my own college, even thought a family member offered to pay it. Sadly, I don't think there are many people like that.
I am a debt collector.I am not college educated and after a layoff fell into this industry about 3 years ago.Let me tell you that everything he is saying is true.I've worked for 4 different agencies and they are all the same.I also make more than most people i know with a masters degree.I will continue to use the "tactics" we use because I love the money.I have 3 kids(2 in a private school)own a nice home in the burbs,nice car,nice harley nice boat..u get the idea.he's right tho...we are liars
i work for a law firm against ppl like you. and when our clients call in saying they have collectors saying" if you dont pay. im gonna send your husband back in a body bag.. " it makes me wonder how you must feel when you sleep at night. sell your soul for a harley and a boat.nice. your kids must be proud.
@Creolebway-my kids have no idea what i do for a living as dont most of my friends or family.i enjoy a life style most cant afford.& sleep-well me & my wife spent about 4 grand on our bedroom so actually i sleep great.thank wondering about that though.oh & btw, here a newsflash pal-you work for a lawfirm.I have a lawyer that works for me!you think lawyers or law firms are any better than collection agencies?BAHAahahaha-Look here the bottom line.I can guareentee my net worth is prob equal too
@Creolebway -continued - if not greater than at least 3 of the attorneys combined at your firm. & probably at least 40% of the people you know or are related to you that struggle to get to disney or jamaica once every five years would trade lifestyles with me in a second.I turn my conscious off at my office until 5pm. Then I hit the links,the gym,hit the boat, dinner if i choose w a bottle of opus one (thats wine btw Creole google it)& I enjoy having the finacial freedom to do whatevr i want ;.}
@Kenzofeis sorry say again.I geuss i didn't understand your comment as I was busy looking up specs to the motor of my new boat.Look-I am not pro dtr nor pro debt collector.All I'm saying is this industry is what it is and myself my wife and kids have a lifestyle that I am very happy with.I amke more in a month than some do in a year.I love that.I'm good at what I do and both yourself and the other hater that commented on what I wrote can hate collectors all you want
@Kenzofeis cont-in addition to that,this industry has made me rich.by age 33 i had a million dollar cake w a party ato celebrate because I had 6 zero's in my checking account.I mean who wouldn't love that man?If you walked a day in my $500 dollar shoes, smoked one of my cigars and hit the links at the club im a member of you would just chuckle if someone wrote to me what you did.Theif? Troll?sure I am pal!BTW I'm opening my own agency next month so if you need a job just shoot me a msg ok bud!
can they put a lein on your home? and after your home is paid off...you would have to sale it and give them the money you owe? also could i go to jail for fruad if i dont pay my credit cards if i max all them all out in 6months and then stop paying after 3 months?
when I was little a kid a debt collector called for my older sister and when I said she wasn't home he told me to ask my mommy why she was asking me to lie.
@weweallthewayhome : that's an extremely shallow and narrow way of looking at it. Esp. when you look at the fact that a majority of bankrupcies last year were due to medical bills/debt. People without health insurance are forced into using their credit cards to pay for health related emergencies and dig themselves into a deep hole
SOMEONE HELP that knows...I AM ON SSI....if i almost max out alll my credit cards and only pay them for 3-6 months and then pay 10 bucks a month then stop after 6 months or so( dont pay anymore to them)...would that be seen as fraud? i know they cant take away my ssi check, i have no money in the bank... could i go to jail?
His comments are really out of line. He has no idea what Mikes company is like yet he refers to him and his staff as scum. Dave is totally wrong in his overall commentary. bad apples out there yep, deadbeats that want to rip you off or your company YEP and many of those scammers call his show. Get a clue Dave! The more I listen to him the more I dislike him.
Dave has some good ideas and others that are inaccurate such as his thoughts and perception about all collection agencies. MOST of us operate ethically just like 95% of the people in the nation do the right thing. We all deal with 5% that are trouble. The fact is agencies return money that business would be ripped off or FORGOTTEN to be repaid by a consumer. I find it funny when calling a debtor about paying a bill they get amnesia. I'd like to see not get a paycheck cuz their boss 4got.
@jimiange to transfer $ for payroll I bet they would be screaming for their pay. Many of the companies big and small have payrolls and other expenses to meet too. I can't tell you how disgusting it is when I know one of you is not paying until you are caught up to. and then once you are called out for it you want to file bankruptcy even
though you have the ability to repay. yeah that sure is the American way. the scum are not the agencies, but the people that take advantage of laws
@jimiange that protect them. Bankruptcy is needed for several personal reasons, but to avoid paying ones obligations is appalling, but that is not unscrupulous? it is to me. any agency that breaks the law should be fined, but many of the claims or allegations are he said she said and unwarranted. I know I have been on the receiving end and Dave gives some pretty poor advice at times. I recall him telling someone to settle their debt for 20% and if not accepted plan on going to war.
@jimiange is that really sound advice? why not trying to honor your obligation in full? you took out the loan for the bike and it was repossesed and he wants this caller to settle for 20%? pardon me, but how about trying to negotiate based on circumstances instead of outright going to war? Terrible advice offered. most creditors agents will listen to you if you are respectful instead of being indignant which is what I think the aforementioned advice was.Fact is not are jerks, but some can be.
Everything Ramsey said in this video is TRUE, yet he LIES just like a collector about FICO scores and he ACTS like a collector, discouraging bankruptcy filings.
@jimiange -- What's your name and who do you work for? My name is Christine Baker and my statements are based on my PERSONAL experience. Debt collectors and collection attorneys are useless scum and the entire profession ought to be eliminated along with the Federal Reserve.
@LIARSandCHEATSinfoyeah I'll be sure to tell you. Maybe you had a bad personal experience I'm sorry to hear that. But since you are painting all agents and collection attorneys as useless scum. Perhaps I can paint you with the same brush and state that all those people referred to agents or collection attorneys are real low life scum deadbeats. Now that would not be fair and pretty ignorant wouldn't it?
So maybe you can limit your broad comments to the one agent you dealt with.
Yeah i've seen it happen before, a guy at my work got two-three calls a day at his job from a debt collector. It got to the point i just hung up everytime they called. I've also known quite a few people who get called constantly and end up getting their number changed or removing their phones and only using cellular because the way they call all day. This guy isn't lying.
Anyone that sides with the cooperate elite on this matter is the lowest form of life on this planet. This cannot be allowed to go on. A country that caters to the cooperate elite at the expense of it's citizens is a country that will not last. These bankers and lawyers and outsourced debt collectors are nothing more than members of a class system that feeds off of the hard work, sweat, blood, and tears of the citizens of the USA. Whom they have manipulated into servitude of their lazy ass.
I have been on the receiving end of numerous calls from collectors looking for deadbeat relatives. They commonly say they were given my number as a reference. Don't know if this is true or not, as you can go on websites like Zabasearch and find out who might be related to the person who owes money.
i make 866 a month on ssd, i am buliding my credit and pay off my cards every month.If after many yrs i enough credit(5-10 grande on credit cards avilbale credit) and go on a shoppingspree/world vacation and max out all the cards...could i then someway get out of paying ALL that money back(let it go to a collection agencey and then file for backrupty?) i want to not have to pay back any of the money but maybe 10percent of all my spending when its all done!
Something has to be done to stop the abuse. I volunteer to provided financial help to the elderly and low income people deal with financial issues. I cannot believe the number of people I have helped deal with debt collectors, in all but a few cases they absolutely did not owe ANY MONEY to these loser dirt bags.
I have seen debt collectors chasing the wrong person, relatives of the debtor, and already settled debts. People need to take these companies to court, there are far too many abuses.
i can not stand this man! he lived his life on the high horse! drove high end sports cars....went in dept becase as typcial SPOLIED ROTTEN americans he INJOYED HIS LUXURY LIFE! and now he wants to preach about " how to be responcable with money!" give me a fucking break!
@rayme4raw, I actually worked with medical debt primarily, before Ieaving the company I was working with credit card debt. I did speak with a wide variety of people from the very rude to nice but I treat everyone the same with respect, kindness, ethically and most importantly legally. I was only working there because the pay helped me to avoid having any student loans during the time I was finishing my bachelors of psychology and Master degree clinical counseling.
@goddessvixen7 unfortunately here in Britain..your UK bailiff bretheren are in for a different set of rules......im a British Royal Marine Commando and when bailiffs tried to use these tactics on my elderly grandmother i turned up with 8 other marines threw him into the back of a van and drove him to the middle of a wood before putting a 12 inch blade underneath his throat and telling him how things were going to happen from "here on in"....we never heard from him again..another bailiff was sent
@LCStreetPhotographer ,I guess you being a royal marine makes that alright then?Dont suppose you could have paid the bill for her, eh? If she forgets to pay her bills once in a while I would have thought a council tax direct debit might have been a little more constructive than terrifying the hell out of some poor bastard on £7ph who probably went home shat himself in his trousers and suffered post traumatic stress as a result.
@goddessvixen7 when this new bailiff turned up i asked him how his colleagues throat was?? was it still sore?? and then promptly told him of my grandmothers mental illnesses and how she forgets to pay her council tax bill on occasions...and that .he could record what i was about to say..if he wanted...but..and my words were "you know how much public support there is for the men and women who serve in the military defending this country .i have the upper hand therefore...dare you..to come again
@LCStreetPhotographer Your grandmother did not deserve to be mistreated but you threatening the life of someone is not right. I like how you hide behind your computer screen. People that serve in the military are people of honour. Must take a real man to have 8 friends jump one guy.
@alden2008 Well we figured since a big guy like that and his little bald henchman were picking on a woman in her 70's was what a real hard man does...that we'd better double up on numbers since they were so big and hard. And your right i am a man of honour i'd never dream of threatening an elderly person who is in the early stages of alzheimers...Plus if you knew anything about ANY military unit out there from a developed nation, say..the USMC for example..they double up...a platoon will be sent
@alden2008 will be sent to take on an enemy of section size...if the enemy is expected to be around platoon strength you take a company..etc etc etc....only special forces units (if they are UK spec ops that is) travel in teams of 3-4...and even then special forces units ..contrary to the movies..dont get involved in protracted, long drawn out firefights...they are there to do things covertly..so i suppose in a manner of ways having 8 lads deal with these cowards is the done thing
@LCStreetPhotographer There is one small point that could be argued here. If you are so aware as to your popularity in this country then you would be aware as to what happens to marines or otherwise who dont think before they act. They sometimes wind up a statistic in Iraq or some other backside of beyond toilet. Thats not a threat you understand, its just what kind of marine doesnt pay his elderly mothers bills for her then gets the lads out when the inevitable happens
@porta17 We did pay it..my wife personally gave them over 6 times the amount....they claimed it all in fee's (which is illegal for a start as they can only charge £24 for first visit, £18 for 2nd and not much thereafter)...he took £££s and his reciepts and what we eventually got from her local council shows that roughly £20 came off the bill..this prick had been siphonin it off....as, so im led to believe according to CAG dot com, most do. Sorry but they are scum as far as im concerned
@porta17 As it happens , as an update, A Formal Form 4, complaint was put in with the courts...the second person a woman who cam out has lost her Certification and will no longer be able to work in the industry..and the Company itself..now has a CCJ against it meaning they cannot renew their licence in the new year meaning they are FUCKED. and ya know what..im glad....their al out of work i that company now..good. Bastards.
What he said is true, if you give them access to your account they will clean you out. Don't give the lying scum your account info no matter what they say.
Dave wants to harp on the laws that are broken by debt collectors but isn't someone that has not paid a debt breaking a law by not paying a note in accordance to the promisory note.
@clayfield1 Simply put, harassment, fraud, etc that the debt collectors do are "crimes" against the person and thats why it is illegal. These crimes are handled by the criminal courts. Not paying your debt is a "crime" against property. These are handled in civil courts. I don't believe it was ever said that people that owe money shouldn't pay their debts because they should.
@alden2008 I don't buy all this "your crime is worse than my crime". The funny thing about this whole arguement is that if the person that borrowed the money paid there debt then "illigal crime" would never take place. So it seems like the victim in the criminal crime is the instigator of the crime against them.
@clayfield1 You are right. People should pay their debts. Individual responsibility is crucial. All I am saying about the legal system is that there are crimes against property and crimes against the individual and are handled by different courts. You don't need to buy the severity of crimes claim - the law does it for you and classifies it against other crimes. That's why when you murder someone you go to jail for life and when you jaywalk you get a $50 fine.
I'm in the UK and cannot believe that this can make the TV!! Yes, there is bad practice in ANY industry, and yes it is unfair if people completely unrelated to the debtor are contacted.....
...but what if no-one had to pay their debts, Credit cards etc. It would be like dishing out 5 and 10 Grand gifts.....no-one would EVER pay it back (me included if they never asked for it back!).
The guy wrote a sensible letter and was interjected with childish remarks.!!
These debt collectors drive me nuts. I got calls for YEARS for some woman I didn't know. They would stop after I told them I wasn't hurt and then start up again a few months later. It was so damn annoying. We ended up getting rid of our landline phone all together when we started getting calls for someone else. Now we just use cell phones and I use youmail to ditch companies/people I don't know.
@ScaperSteph You are not alone! I volunteer to provide financial/tax/accounting advice to low income and the elderly. If I see 60 people, only 3 people on average are NOT receiving calls for someone they don't know. Freakin unbelievable. These people are out of control.
If the activities are illegal then take them to court so there debt license can be postponed. Im a debt collector and i do not for second take my position for granted, i prefer to actually have a conversation with somebody on how they can resolve the issue.
ha debt collectors are scum. they help econ? my blah. the banks get more insurance and bail out help then any one,only to send it offshore. most collecting agencies are offshore subsides and dont even invest in the usa much.
Last time i checked taking a good or service without paying is stealing. 90 percent of debtors are thieves the other 10 percent have fallen on hard times but i guarantee they will stay on the phone and figure out a resolution to the debt.
@preslaude that number should be reversed. I seriously doubt 90% of people who fall on hard times are thieves who set out to defraud someone. Many people fell on hard times even those who were responsible with their money. Not that matters if you are, because in our banking system, no matter how responsible people are, the way the banking system is set up guarantees that some people will default or be foreclosed on. That's just how it's set up.
And are you suggesting that people just pay somebody whatever they ask just because they called and demanded payment? You can make an argument that not paying a debt is a dishonorable thing and in many cases I would agree that you are right. However, wouldn't you also consider it dishonorable for some company to buy a bunch of debt for $.02 on the dollar and then start calling people demanding payment when they have no real proof these people actually owe anything?
DEBT COLLECTORS ARE SCUM!!! Though I don't owe any debt, Chase credit services would call me several times a day from 8am to 11pm asking for some woman even though I told them they had the wrong number. After several calls telling them they had the wrong number, I, with permission, recorded the conversation quoted the laws they were breaking to the supervisor and threatened a law suit.
@pavs04 Good for you, my parents and I would have had a great lawsuit against chase, if my parents had recorded one phone call from them. They called my parents when they wanted to reach me and not only did my mother say that they wanted me but they tried to work with my mother to get a payment, telling her that if she made a partial payment that it would wipe out my entire debt responsibility with them. That would have been an awesome lawsuit.
The other thing is this: though I'm not, and can not, be for these medieval tactics these debt collectors sometimes use, it must be mentioned that the debt collector is not the cause of the consumers financial woes. We live in a materialistic, more is better society, that is extremely hard to break
its cycle of gotta have it now. There is no end to the cycle. You have to humble yourself. The debt collector may humble you enough so not to get you into the same trap again looking for a way out.
True the President is a pro for doing very little and earning very much. The best creditors will, after they've realized they can't squeeze any money out of you will reduce your rates to zero, with some strings, but allowing you to pay it all off while keeping to an agreement.. At this point they rather not stress you and you not stress them. And than return your credit to normal.
So I don't agree that this is how you should respond to the Presidents letter.
I will say that I work for a collection agency for several year and I have never treat a person the way Dave Ramsey claims nor have I release information about someones debt to a minor. I think his thought are a very narrow veiw of a handful of agents. Also to say that a debt colletor is scum is only a way to make yourself feel better about not paying your debt and steal!
@goddessvixen7 I wonder if it depends on what he means by collector. I worked in auto finance, our collectors had it easy, we never had to be mean or rude because after 4 to 6 months of non payment, we repo'ed the vehicle. Does he mean credit card collectors after six months when the debt is sold to a collection agency for 5 cents on the dollar. I can see those collectors getting heavy handed.
@simontimon2 not when credit card companies jack the interest up when THEY feel its time. You make 7-8 years of payments always ontime and it goes from 7% to 19% because of our idiot liberals in office? nope, they are the scum, not the people who pay ontime and get screwed.
@Icetitan777 You're right, I had perfect credit for over a decade, was rolling over several thousand at 0% interest each year. After Sept 2008, no more roll over offers and I saw my interest jump from 0 % to 6% all the way up to 20% in one year. I was still making payments on time and everything. Needless to say, I cancelled all my credit cards.
Great info! I have a friend who worked in collections! Probably part of the reason he committed suicide (sadly). He shared A LOT of insider info with me and it was beyond disturbing! My daughter also was "offered a job" in "sales." Turned out to be a collection agency and she only lasted until the lunch break! Her boss threatened to kill staff, clients, and even threatened to rape her!! She got the hell out of there! The whole collection industry needs to be overhauled.
I just don't know what you can do when they have bought a debt from years ago - it's on your credit report, - how do you get them to back off? You have NO power it seems.
In my defence, prior to that job, I didn't know the collection process from the back end of the moon.
Now I know how dishonest, immoral and thoroughly unscrupulous the whole process is, and I have nothing but absolute contempt for it - the world would be far better off without it.
If you work for a collection agency, go somewhere else and in the process, you'll get your heart and soul back.
But don't expect or demand respect while you're still there - what you do doesn't deserve it.
@dcamaggots they can be quite usefull, when somebody you lent money to suddenly wont answer the door and has a private phone number. its great to have these people to throw at them lol
So pay your bills d-bags
slvr94civic 1 week ago
my channel? you need help, i want to help.
wakemeupintwenty 2 weeks ago
Part 2 of 2.. So before you go on and on about people just not paying there bills. I wouldn't wish this apon you for anything in the world. But my bills weren't paid because I was busy learning how to walk again, having to catheterize myself 4 times a day, and giving myself injections of antibiotics 3 times a day because I developed an infection, probably from the nature of my job which causes me to take care of other people and exposes me to more bacteria. I'm not even at the tip of the iceberg
barratts1981 2 weeks ago
@mastershredder2009. art 1 of 2. Havn't you taken into account that some that stop paying there bills is somehow due to a nature that is beyond their control. I'm a registered nurse that has dedicated my life to helping other people. Almost one year ago I suffered from a spinal cord injury and had to take some time off of work. I did have insurance including disability insurance, but while I was off and recieving 50% of my normal wages I was racking up on medical thousands of dollars of bills
barratts1981 2 weeks ago
@mastershredder2009, Dave's not disputing that the money's owed or that collectors should collect. The problem is the rampant abuse & law-breaking in the industry. Our family went thru a terrible period of deep underemployment and we found the bill collectors to be appalling MORE OFTEN THAN NOT. In fact only 1 person talked to me reasonably. The rest would use all of the tactics, and more, that Dave describes here. We WANTED to pay. Were we stupid to borrow? Absolutely- but it didn't help then!
grouchptato 2 weeks ago
Hey, its really simple. Stop blaming your faults on everybody else but yourself and pay your bills. The only scumbags are the one's that keep collectors employed by not paying their bills in the first place. Seems to me an
easy solution. No unpaid bills, No collector calls.
mastershredder2009 3 weeks ago
most americans are slaves too the scum
edwardd6681 4 weeks ago
Rent or utilities got paid that month? When I had to collect on bad debt I would be honest, this company and it's owners will sue you, they will garnish your wages and it will take years for the judgement to fall off. Show up to court, but the judge will say.. Did u sign this? You'll say yes and then we garnish your wages... Honesty not bullying works!
ANGELDOZR 1 month ago
I don't think ALL collectors are scum but the ones who continually harass such as in the cases you mentioned are something maybe worse than scum! I worked with a guy who threatened to go get the police involved... Truth is it didn't make anyone pay up! I myself have been a payday loan collector.. I hated my job, realized the company I worked for were bottom feeders because the people who turn to those type of loans don't understand the whole they are digging! But at the same time maybe their re
ANGELDOZR 1 month ago
google apierrelaw and fill in the online consultation to learn how to get revenge on bill collectors by making them pay your for violating your rights.
123alpierre 2 months ago
LOL...Collectors are SCUM.....So is your I.D.
LottsaLasagna 2 months ago
i was $27k in debt on my cc. it took me years, but i paid every penny. if u dont pay u hurt everyone.
PInk77W1 2 months ago 2
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OCCUPY WALL STREET
occupytheworld22 2 months ago
Didn't this idiot bash Peter Schiff for calling the 08' crash?
SeppLainer 3 months ago
Dave Ramsey...I have learned much from this guy!! Am better off now because of it. Realtors, Bankers and polititions CAN GO FUCK THEMSELVES.
submersibleone 3 months ago
collection professionals? What horseshit! What college degree do these people have? Debt collection companies, parking authorities, private clamping companies and bailiffs are just extortionists and racketeers living under a false legal name.
MrSimo552 3 months ago
Bueller...Bueller
emperormai 4 months ago
i dont think any person using credit cards to buy their pizza, gum, buying clothes, living like kings..as they max their cards...ever had the credit card companies TWISTING THEIR ARMS to abuse the cards..DID THEY?...put the blame on whom it should be....the CONSUMERS!..
07braves 4 months ago
tell em dave tell em..call em out and speak your piece
MrJeffGann 4 months ago
I had one call me about a truck I hadn't had for 2 1/2 years. Had to do a shortsale because I lost my job and couldnt afford it. They wanted 5600 for a shortsale I owed 3071 for. They wanted 5600, I said I could give them 3250 cash money right now. It took them a few hours, but they accepted and Im glad its off my back and I have a job now.
neemguy81 4 months ago
Fuck all debt collectors. They should be beaten within an inch of their lives at every opportunity.
don69123 4 months ago
@don69123 What about all the dead beats who don't pay the people they owe what do you think should happen to you ohh I mean them
scrappyjaunk 2 months ago
@scrappyjaunk its not as simple as that...
Xenthoid 2 months ago
everytime I get harrassed by collections it's always a nigger, I think they hire ghetto monkeys so they will intimidate over the phone like they do in everyday life p.s they call about persons that have never been at this address or phone #
scrappymetal1 4 months ago
@scrappymetal1
You are a racist idiot and a loser. And don't act like you're not being called because you didn't pay the bill on your trailer. Piece of trash.
1983Grinch 3 months ago
@scrappymetal1 lol I don't even know where to begin on your comment. Usually it's the blacks that are in debt and getting harassed by companies lol and the fact that you're trying to insult them when you are the loser who spent too much and didn't think ahead is somewhat funny as FUCK!
tyseibert 2 months ago
Thats like calling all cops bad cause some engage in over the top tactics.
oosh79 4 months ago
Dave Ramsey told people to not buy gold in 2008.
OOOPS!
When the third party debt collector calls via the phone simply say no to every single question. Try it.
Beesnchickens 4 months ago
pay ya bills then!
lewyd213 5 months ago
Mr. Ramsey is telling you all what you want to hear. He is making money selling you a dream. He is referring to a group of bad apples in much larger group. When you listen to Mr Ramsey, you are giving him your time. He then sells some of your time to advertisers. Its not worth much, but when a million people tune in to him, he gets rich. Wake up guys, you're being stroked. He is making money pointing out the bad guy. Hitler did the same thing.
tgerambio 5 months ago
@tgerambio It sounds like you've never read his books. He is definitely not telling people what they want to hear. He's telling them what's necessary for them to take the action to get out of their debt.
MPaulHolmes 4 months ago
This guy seems to be a douchebag and has a very narrow perspective on things. He keeps spouting off about laws, but maybe those laws shouldn't exist. If you don't pay your bills, maybe you deserve to be arrassed by collection agencies. I'm constantly being harrassed by agencies to collect debts I never answer my cell phone unless it's a number I recognize and ignore all their mailings.However, I don't get mad at them.If you don't pay your bills, then accept the harrassment & stop whining.
yahoopl3 5 months ago
@yahoopl3 are you kidding me? are you aware that sometimes debt collectors call people who do not even owe a debt and harrass them because a family member who died was in debt? They try to trick people into paying debts they don't owe, or abuse them hoping they will cave. Also at times someone might not have the money but the collecter won't care and will try to get the person fired. It is illegal. Just because you do not agree with a law does not mean its OK for someone to break it.
DojangRat 5 months ago
Like I've said. To those who disagree with me. I don't give a fuck. Maybe if banks, which they never will, would pratice ethical business to the world public at all times, people like myself would be honored to pay them back. But nooooooooo. The banks want to greedy avarice assholes.
WilliamHCarney 6 months ago
must write a letter to the debt collector who is harrassing you and put in their they are not to call your current number, any future number, conact you via email, not to call current and future employers, relatives, future dreams, in this life time or the next. End the end, state these request are to be adhered for the next 99 years from the above date of this written letter,
WilliamHCarney 6 months ago
For those who owes debt to banks. Fuck the. Don't pay them shit. People have the nerve to say that's unfair not to pay back debts. Are you fuckin serious? As much as the banks and the Federal Reserve, since 1913 have fucked us. Now you fuck them. Educate yourselves on how to beat the system. Read about statute of Limitations Laws. Collectors have a certain, per FEDERAL LAW to sue to collect debts. When that times passes, they cannot re-report it to credit agencies or garnish wages. You..........
WilliamHCarney 6 months ago
excuse me I pay all my bills thank ya very much .You just troll on here blanket statementing your collection industry defenses because you work for them. I have lots of money and loving life right now so the jokes on you. But heres a thought, get out of the industry and acually contribute to our economy instead of extorting money from individuals who 1. dont owe a debt cuz you call the wrong people all the time 2. dont owe a debt becausue you purchased fraudulent portfolios ....cont..
debtpuncher 6 months ago
excuse me I pay all my bills thank ya very much .You just troll on here blanket statementing your collection industry defenses because you work for them. I have lots of money and loving life right now so the jokes on you. But heres a thought, get out of the industry and acually contribute to our economy instead of extorting money from individuals who 1. dont owe a debt cuz you call the wrong people all the time 2. dont owe a debt becasue you purchsed fraudulent portfolios
debtpuncher 6 months ago
I created a parody video skit in response. Many of the debt collectors believe the propaganda a company president states to them, as in the letter read, thus do feel in the right when making such calls. Now I will not disagree about the higher ups, but is it fair to blame the lower level employees?
BadDebtCollectors 6 months ago
Dave Ramset is a uniformed ignorant person regarding this subject
mattroark3 7 months ago
@mattroark3 Ok, then why don't you enlighten us with some better advice instead of just talking trash ! you must be one of the SCUM that he's talking about !
larryjohnny 6 months ago
This guy is beyond retarded....
cartmanblue89 7 months ago
@cartmanblue89 Why do you say that ? Retardation is not something you can choose to be, it's a sad part of life and reality for some ! ohh, I'm selling the Brooklyn Bridge do you want to buy it ? You sound like a idiot who is kowtowing to the corporate world, why do you feel sorry for ceo's who make millions by scamming people and using dishonest collection practices ? Don't leave a comment unless you have something intelligent to say next time !
larryjohnny 6 months ago
@cartmanblue89 who are u talking about? Dave Ramsey? He's not retarded, the guy knows his stuff.
MyNephewIsTough 6 months ago
this guy is is retarded seriously
CrAzYnAdEz 7 months ago
Pay your bill and I wouldn't have to call.
JChurch84 7 months ago
@JChurch84 can i forward my bill to you ? obviously you have lot's of extra money if your willing to pay every debt collector who threatens you. Dave Ramsey is correct here and your retarded for not getting it !
I bet I could sell you the Brooklyn Bridge !
larryjohnny 6 months ago
@larryjohnny Your Grandfather paid his bills. He had pride and a sense of responsibility. You decide to see what you can get out of this world without hard work. I see right through you, and weep for your future.
JChurch84 6 months ago
@JChurch84 Your correct my Grandfather was an honorable man, but he wasn't the type of person to be intimidated by fraudulent business practices, tricky interest rate schemes, and greed ! Here's a real world example for ya ! I pay for my insurance every month, I pay my copay every time I go in to see the Doc., out of the blue, I get sent bills from greedy laboratory's and x-ray tech, docs, etc.. who want another couple hundred bucks more than what insurance pays them, that's greed my friend !
larryjohnny 6 months ago
@JChurch84 Have you ever found yourself in a postion of serious disadvantage that prevents you from returning to work?
Asshole! I've actually known a few that have had your job and theirs a correlation involved here: They're all asswipes.
Annie4Bandit 6 months ago
@Annie4Bandit Reality: You got service. You didn't pay for said service. Reasons/excuses aside, you didn't pay your debt. I have a job, which is calling you about your unpaid debt. And you call me scum? I work everyday and pay my bills. You skirt your responsibilities, and blame me for holding you accountable. Look into the mirror and define what you see.
JChurch84 6 months ago
@JChurch84 I don't feel shamed over what happened to me. I was forced to leave work due to a severe physical disability. Prior to that I had outstanding credit and made decent money. Go crawl into a hole and die, Bitch.
Annie4Bandit 6 months ago
@Annie4Bandit There are plenty of jobs out there in both customer service and collections and all you have to do is sit down. Seriously, stop mooching off the system and fend for yourself. Lastly, why does because you are having personal issues mean you do not owe money for services rendered? So whoever trusted your word now just is out their money? Reality: you owe money. Find a way to live up to your word. I that means anything to you.
JChurch84 6 months ago
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Annie4Bandit 6 months ago
@JChurch84 Hey clown bags, you dont even know what the debt is from Annie so I think you need to close the mouthhole. More than likely it was medical.You sir are why this country is imploding. Collecting on fraudulent "debts" is nothing to be proud of. Did you know its a felony in ALL 50 states to fabricate a debt intstrument with intent to deprive of individual, which falls under the larceny category called conversion theft and/or conversion of goods and services.
debtpuncher 6 months ago
@debtpuncher You have plenty of excuses for not paying your bills, but no money to pay your bills.
JChurch84 6 months ago
@JChurch84 3. dont owe a debt because its medical 4. dont owe a debt because its past SOL . 5 dont owe a debt because of felony conversion of a motor vehicle 6. dont owe a debt because the bank fabricated amounts as a "debt" you so that leaves about 9% of your portfolios that acually have a legitament debt to collect on. If I knew you were and what company you represent id have you jailed for being an accessory to a felony crime.
debtpuncher 6 months ago
@debtpuncher You have no pride, you have no honor, you have no credit score. You reap what you sow. As your parents did before you, and your children will after you. Cowardice and excuse making run in the genes.
JChurch84 6 months ago
I had a debt collector harrass me in the past who tried to make me feel as if by 'not paying my debt' I was responsible for 911, Too often than not they are scum!
Powerprospector 7 months ago
Tell em' Dave.....
MissJenni2642 7 months ago
Ok learn how to spell. It is "You're" not "your". You obviously didn't read the post. Damn it was in two parts after all. First off I am no longer in the industry and second as I said I have seen both sides of the story. I had managers who would get away with murder and others who never raised their voice once to someone on the phone. Nobody wants to get in debt but America as a whole is addicted to debt. If a person is in debt they should brush up on the FDCPA ASAP to learn their rights
TWGRY80 7 months ago
(((---CONT She had just gotten the #, and on the other hand people thanked me for listening to their tale of hardship. The FDCPA is highly outdated it strictly states that verification of a person's info must be provided by the debtor. A collector cannot go talking about the account to anybody they get on the phone. Unfortunately due to ID theft many people will not provide verification because they think someone is trying to screw them over. And their fears are validated constantly.
TWGRY80 7 months ago
Wow this Ramsey guy is a FUCKING PRICK and has no idea what is he talking about. As someone who used to be in collections I've seen both sides of the coin, worked with people who should have been sued long ago and others who took extraoridnary steps not to break the law. It's a four sided coin I have been sworn at, called this name and that one time got called a child molester when calling a # for the first time. Got a 13 year old girl by accident. CONT----)))
TWGRY80 7 months ago
@TWGRY80 Thats a very ugly comment. Your the jerk that threatens blue collar hard working Americans that are drowning in debt because they don't know any better. Your part of the problem not part of the solution. People like Dave are part of the solution so why don't you just shut your mouth you scum debt collector.
FreemasonsAreAwesome 7 months ago
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XXIBECCAIXX 7 months ago
insane really. ID theft is a crime, passing bad checks is a crime, but not paying bills is ok.
MrAppleseed88 8 months ago
At the end of the day if collections is even car repos, home foreclosures are just as evil. Mr. Ramseys use cases of rogue non-compliant collections that should land anyone in prison. In summary his speil is a load of crap from 09. Collection agencies were the wild west back in the day but have cleaned up or at least sued into oblivion. These days most agencies are super compliant. And all the rogue collectors left, because they just don't make as much money anymore.
lolincognegro 8 months ago in playlist law
I work for a extremely large agency and have collected on student loans, credit card debts, homes cars etc. You name it I have probably worked on it. The problem with Mr. Ramseys comments are this: most original creditors want nothing to do with the consumer any longer, once you have defaulted and haven't paid for so long.
lolincognegro 8 months ago in playlist law
They want their pitbull to handle it, that pitbull is a collection agency. People need to be realistic, yes bad things happen to good people. But good agency don't steal from your bank account, nor do they try to rip you off. Do we try to get you to pay as close to the balance as possible, YES, but you signed the contract and plenty of people pay all their interested and late fees also. Also in the end the lower your settlement the harder your 1099 will be on your taxes.
lolincognegro 8 months ago in playlist law
i like this guy, I agree with him totally!!!
Jbuonocore 9 months ago
@Jbuonocore what a piece of shit this guy is hes a debtor he owes money and he plays the game to dodge his debts.im sure his wife or husband cant stand him,so he makes these stupid videos to make himself feel better HE IS A DEBTOR and is why we all pay higher interest ratesget a job u loser
1debtcollector 7 months ago
@1debtcollector You obviously don't know Jack about Dave Ramsey Haha. Dave Ramsey is not in debt. He is a very wise Christian man that has helped hundreds upon thousands of people get out of debt. I have just started following his Total Money Makeover and I have already paid off two credit cards and am continuing to make progress everyday. Wise people get out of debt and save their money you fool.
FreemasonsAreAwesome 7 months ago
I work for a debt collection agency for commercial debt but here is why the economy needs debt collection agencies....for all you people that think debt collection agencies are scum what are you going to do when your own job has unpaid accounts receivables and they can't collect then your own company has cash flow problems and then in turn can't pay YOU?? and then you can't pay your bills collection agencies are needed for the economy deal with it
nathalyreed 9 months ago
I agree fully with Mr Ramsey. Collectors and Law firms "gone collector" are scum. It seems way too many collectors from top to bottom have the "Jesus Syndrome" and think they can get away with just about anything other than murder...and I've heard of threats of murder even.
RefuseForced2Link 9 months ago
If sued, Elect Arbitration- JAMS and AAA.
It allows a Debtor to go on Offense, and charge creditor with $ Violations on FDCPA- FCRA, they break the law every time they collect a debt.
Debtor Boards advocates this, if you dont know your rights, you have none.
Get your case Out of Court, elect Arbitration, it costs Creditors $3000-10000 to pursue it, most wont.
NAF- declared a Fraud and moratorium, Arb is now working!
Creditors have No note, Affadavit is bogus & $ Securitized
StSimonMartyr 9 months ago
If a debt collection agency buys your debt without your consent, then thank the debt company and tell them to piss off. Tell them to show you a contract YOU signed between you and debt agency. If no contract then there's no debt. Simple.
riv2012 10 months ago
If I ever go to Brentwood, Tennessee to see Mr. Ramsey in person at Financial Peace Plaza to declare my debt freedom in front of his loyal listeners, I want to be debt free including the house, but I don't want to go alone.
ir10031981 10 months ago
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sometimes I wonder what's the point of being debt free including the house when you're gonna live alone because you're single and have no children? sure on one hand it's cool to owe nothing, weird! but if you're like me you go to bed somewhat depressed wishing you had a spouse and even a child to share your life with.
ir10031981 10 months ago
People must see the difference between buying something and trying to wiggle away from paying for it (dishonest on customers part; theft)
- or to have shit happen that makes it difficult to pay stuff, and then have sharks attacking, leaving even less possibility to pay the original debt.
Kenzofeis 10 months ago
A Canadian debt collector called us threatening that they will deport us back to Chile (not we're from) just because my dad had an accent and started to curse at us, calling us leeches and good for nothing. I kept calm and told him not to dare talk to my parents like that, and he threaten to call the police because we did not payed some stupid bill. I recorded the call and have everything he said on tape, was it illegal from my part to record him? I want to take this to court as proof.
TVXQandSS501 10 months ago
@TVXQandSS501 As long as you are part of the conversation it should be ok...
Kenzofeis 10 months ago
Call me crazy, but I believe that you should be obligated to pay back what you borrow. I racked up a bunch of debt in college and didn't settle but paid it back in full. I actually went hungry and set the thermostat lower than I would have liked in order to do so. I know some deadbeats that settled for less than what they owed but not me!
But I'm the kind of guy who paid for my own college, even thought a family member offered to pay it. Sadly, I don't think there are many people like that.
Joefest99 10 months ago
I am a debt collector.I am not college educated and after a layoff fell into this industry about 3 years ago.Let me tell you that everything he is saying is true.I've worked for 4 different agencies and they are all the same.I also make more than most people i know with a masters degree.I will continue to use the "tactics" we use because I love the money.I have 3 kids(2 in a private school)own a nice home in the burbs,nice car,nice harley nice boat..u get the idea.he's right tho...we are liars
wardgirl22 11 months ago
i work for a law firm against ppl like you. and when our clients call in saying they have collectors saying" if you dont pay. im gonna send your husband back in a body bag.. " it makes me wonder how you must feel when you sleep at night. sell your soul for a harley and a boat.nice. your kids must be proud.
Creolebway 10 months ago
@Creolebway-my kids have no idea what i do for a living as dont most of my friends or family.i enjoy a life style most cant afford.& sleep-well me & my wife spent about 4 grand on our bedroom so actually i sleep great.thank wondering about that though.oh & btw, here a newsflash pal-you work for a lawfirm.I have a lawyer that works for me!you think lawyers or law firms are any better than collection agencies?BAHAahahaha-Look here the bottom line.I can guareentee my net worth is prob equal too
wardgirl22 10 months ago
@Creolebway -continued - if not greater than at least 3 of the attorneys combined at your firm. & probably at least 40% of the people you know or are related to you that struggle to get to disney or jamaica once every five years would trade lifestyles with me in a second.I turn my conscious off at my office until 5pm. Then I hit the links,the gym,hit the boat, dinner if i choose w a bottle of opus one (thats wine btw Creole google it)& I enjoy having the finacial freedom to do whatevr i want ;.}
wardgirl22 10 months ago
@wardgirl22 So, basically you're a thief and a troll.
Kenzofeis 10 months ago
@Kenzofeis sorry say again.I geuss i didn't understand your comment as I was busy looking up specs to the motor of my new boat.Look-I am not pro dtr nor pro debt collector.All I'm saying is this industry is what it is and myself my wife and kids have a lifestyle that I am very happy with.I amke more in a month than some do in a year.I love that.I'm good at what I do and both yourself and the other hater that commented on what I wrote can hate collectors all you want
wardgirl22 9 months ago
@Kenzofeis cont-in addition to that,this industry has made me rich.by age 33 i had a million dollar cake w a party ato celebrate because I had 6 zero's in my checking account.I mean who wouldn't love that man?If you walked a day in my $500 dollar shoes, smoked one of my cigars and hit the links at the club im a member of you would just chuckle if someone wrote to me what you did.Theif? Troll?sure I am pal!BTW I'm opening my own agency next month so if you need a job just shoot me a msg ok bud!
wardgirl22 9 months ago
can they put a lein on your home? and after your home is paid off...you would have to sale it and give them the money you owe? also could i go to jail for fruad if i dont pay my credit cards if i max all them all out in 6months and then stop paying after 3 months?
vacationboyvideos 11 months ago
when I was little a kid a debt collector called for my older sister and when I said she wasn't home he told me to ask my mommy why she was asking me to lie.
shansopink 11 months ago
bottom line: dont spend what you dont have....
weweallthewayhome 11 months ago
@weweallthewayhome : that's an extremely shallow and narrow way of looking at it. Esp. when you look at the fact that a majority of bankrupcies last year were due to medical bills/debt. People without health insurance are forced into using their credit cards to pay for health related emergencies and dig themselves into a deep hole
eric5906 11 months ago
go Dave Go! Man Im trying to apply his logic so I can get out of debt and never, I say it again never Use another credit card!
jetmolee1 11 months ago
@jetmolee1 : amen! I pay everything, and I mean everything, on a cash and carry basis.
eric5906 11 months ago
go Dave Go!
jetmolee1 11 months ago
SOMEONE HELP that knows...I AM ON SSI....if i almost max out alll my credit cards and only pay them for 3-6 months and then pay 10 bucks a month then stop after 6 months or so( dont pay anymore to them)...would that be seen as fraud? i know they cant take away my ssi check, i have no money in the bank... could i go to jail?
vacationboyvideos 11 months ago
His comments are really out of line. He has no idea what Mikes company is like yet he refers to him and his staff as scum. Dave is totally wrong in his overall commentary. bad apples out there yep, deadbeats that want to rip you off or your company YEP and many of those scammers call his show. Get a clue Dave! The more I listen to him the more I dislike him.
jimiange 11 months ago
Dave has some good ideas and others that are inaccurate such as his thoughts and perception about all collection agencies. MOST of us operate ethically just like 95% of the people in the nation do the right thing. We all deal with 5% that are trouble. The fact is agencies return money that business would be ripped off or FORGOTTEN to be repaid by a consumer. I find it funny when calling a debtor about paying a bill they get amnesia. I'd like to see not get a paycheck cuz their boss 4got.
jimiange 1 year ago
@jimiange to transfer $ for payroll I bet they would be screaming for their pay. Many of the companies big and small have payrolls and other expenses to meet too. I can't tell you how disgusting it is when I know one of you is not paying until you are caught up to. and then once you are called out for it you want to file bankruptcy even
though you have the ability to repay. yeah that sure is the American way. the scum are not the agencies, but the people that take advantage of laws
jimiange 1 year ago
@jimiange that protect them. Bankruptcy is needed for several personal reasons, but to avoid paying ones obligations is appalling, but that is not unscrupulous? it is to me. any agency that breaks the law should be fined, but many of the claims or allegations are he said she said and unwarranted. I know I have been on the receiving end and Dave gives some pretty poor advice at times. I recall him telling someone to settle their debt for 20% and if not accepted plan on going to war.
jimiange 1 year ago
@jimiange is that really sound advice? why not trying to honor your obligation in full? you took out the loan for the bike and it was repossesed and he wants this caller to settle for 20%? pardon me, but how about trying to negotiate based on circumstances instead of outright going to war? Terrible advice offered. most creditors agents will listen to you if you are respectful instead of being indignant which is what I think the aforementioned advice was.Fact is not are jerks, but some can be.
jimiange 1 year ago
VOLUME!!!!
kinyodas 1 year ago
Everything Ramsey said in this video is TRUE, yet he LIES just like a collector about FICO scores and he ACTS like a collector, discouraging bankruptcy filings.
Ramsey appears to be on the BANKERS' payroll.
Christine Baker
LIARSandCHEATSinfo 1 year ago
@LIARSandCHEATSinfo no they are not all true.
jimiange 11 months ago
@jimiange -- What's your name and who do you work for? My name is Christine Baker and my statements are based on my PERSONAL experience. Debt collectors and collection attorneys are useless scum and the entire profession ought to be eliminated along with the Federal Reserve.
LIARSandCHEATSinfo 11 months ago
@LIARSandCHEATSinfoyeah I'll be sure to tell you. Maybe you had a bad personal experience I'm sorry to hear that. But since you are painting all agents and collection attorneys as useless scum. Perhaps I can paint you with the same brush and state that all those people referred to agents or collection attorneys are real low life scum deadbeats. Now that would not be fair and pretty ignorant wouldn't it?
So maybe you can limit your broad comments to the one agent you dealt with.
jimiange 11 months ago
You rock Dave Ramsey!!!!!
WonderWomanFan4life 1 year ago
Yeah i've seen it happen before, a guy at my work got two-three calls a day at his job from a debt collector. It got to the point i just hung up everytime they called. I've also known quite a few people who get called constantly and end up getting their number changed or removing their phones and only using cellular because the way they call all day. This guy isn't lying.
JohnnyWeedSeed420 1 year ago
Do not pay your credit cards, save your payments and get yourself a credit card based on your own funds.
......
Tell the Credit Card companies and the Banksters to go to hell.
MACKATTACK1970 1 year ago
Anyone that sides with the cooperate elite on this matter is the lowest form of life on this planet. This cannot be allowed to go on. A country that caters to the cooperate elite at the expense of it's citizens is a country that will not last. These bankers and lawyers and outsourced debt collectors are nothing more than members of a class system that feeds off of the hard work, sweat, blood, and tears of the citizens of the USA. Whom they have manipulated into servitude of their lazy ass.
jab0805 1 year ago
I have been on the receiving end of numerous calls from collectors looking for deadbeat relatives. They commonly say they were given my number as a reference. Don't know if this is true or not, as you can go on websites like Zabasearch and find out who might be related to the person who owes money.
Vydio 1 year ago
This has been flagged as spam show
i make 866 a month on ssd, i am buliding my credit and pay off my cards every month.If after many yrs i enough credit(5-10 grande on credit cards avilbale credit) and go on a shoppingspree/world vacation and max out all the cards...could i then someway get out of paying ALL that money back(let it go to a collection agencey and then file for backrupty?) i want to not have to pay back any of the money but maybe 10percent of all my spending when its all done!
vacationboyvideos 1 year ago
Something has to be done to stop the abuse. I volunteer to provided financial help to the elderly and low income people deal with financial issues. I cannot believe the number of people I have helped deal with debt collectors, in all but a few cases they absolutely did not owe ANY MONEY to these loser dirt bags.
I have seen debt collectors chasing the wrong person, relatives of the debtor, and already settled debts. People need to take these companies to court, there are far too many abuses.
GOPSUX100 1 year ago
i can not stand this man! he lived his life on the high horse! drove high end sports cars....went in dept becase as typcial SPOLIED ROTTEN americans he INJOYED HIS LUXURY LIFE! and now he wants to preach about " how to be responcable with money!" give me a fucking break!
vacationboyvideos 1 year ago
@rayme4raw, I actually worked with medical debt primarily, before Ieaving the company I was working with credit card debt. I did speak with a wide variety of people from the very rude to nice but I treat everyone the same with respect, kindness, ethically and most importantly legally. I was only working there because the pay helped me to avoid having any student loans during the time I was finishing my bachelors of psychology and Master degree clinical counseling.
goddessvixen7 1 year ago
@goddessvixen7 unfortunately here in Britain..your UK bailiff bretheren are in for a different set of rules......im a British Royal Marine Commando and when bailiffs tried to use these tactics on my elderly grandmother i turned up with 8 other marines threw him into the back of a van and drove him to the middle of a wood before putting a 12 inch blade underneath his throat and telling him how things were going to happen from "here on in"....we never heard from him again..another bailiff was sent
LCStreetPhotographer 1 year ago
@LCStreetPhotographer ,I guess you being a royal marine makes that alright then?Dont suppose you could have paid the bill for her, eh? If she forgets to pay her bills once in a while I would have thought a council tax direct debit might have been a little more constructive than terrifying the hell out of some poor bastard on £7ph who probably went home shat himself in his trousers and suffered post traumatic stress as a result.
porta17 1 year ago
@goddessvixen7 when this new bailiff turned up i asked him how his colleagues throat was?? was it still sore?? and then promptly told him of my grandmothers mental illnesses and how she forgets to pay her council tax bill on occasions...and that .he could record what i was about to say..if he wanted...but..and my words were "you know how much public support there is for the men and women who serve in the military defending this country .i have the upper hand therefore...dare you..to come again
LCStreetPhotographer 1 year ago
@LCStreetPhotographer Your grandmother did not deserve to be mistreated but you threatening the life of someone is not right. I like how you hide behind your computer screen. People that serve in the military are people of honour. Must take a real man to have 8 friends jump one guy.
alden2008 1 year ago
@alden2008 Well we figured since a big guy like that and his little bald henchman were picking on a woman in her 70's was what a real hard man does...that we'd better double up on numbers since they were so big and hard. And your right i am a man of honour i'd never dream of threatening an elderly person who is in the early stages of alzheimers...Plus if you knew anything about ANY military unit out there from a developed nation, say..the USMC for example..they double up...a platoon will be sent
LCStreetPhotographer 1 year ago
@alden2008 will be sent to take on an enemy of section size...if the enemy is expected to be around platoon strength you take a company..etc etc etc....only special forces units (if they are UK spec ops that is) travel in teams of 3-4...and even then special forces units ..contrary to the movies..dont get involved in protracted, long drawn out firefights...they are there to do things covertly..so i suppose in a manner of ways having 8 lads deal with these cowards is the done thing
LCStreetPhotographer 1 year ago
@LCStreetPhotographer There is one small point that could be argued here. If you are so aware as to your popularity in this country then you would be aware as to what happens to marines or otherwise who dont think before they act. They sometimes wind up a statistic in Iraq or some other backside of beyond toilet. Thats not a threat you understand, its just what kind of marine doesnt pay his elderly mothers bills for her then gets the lads out when the inevitable happens
porta17 1 year ago
@porta17 We did pay it..my wife personally gave them over 6 times the amount....they claimed it all in fee's (which is illegal for a start as they can only charge £24 for first visit, £18 for 2nd and not much thereafter)...he took £££s and his reciepts and what we eventually got from her local council shows that roughly £20 came off the bill..this prick had been siphonin it off....as, so im led to believe according to CAG dot com, most do. Sorry but they are scum as far as im concerned
LCStreetPhotographer 1 year ago
@porta17 As it happens , as an update, A Formal Form 4, complaint was put in with the courts...the second person a woman who cam out has lost her Certification and will no longer be able to work in the industry..and the Company itself..now has a CCJ against it meaning they cannot renew their licence in the new year meaning they are FUCKED. and ya know what..im glad....their al out of work i that company now..good. Bastards.
LCStreetPhotographer 1 year ago
What he said is true, if you give them access to your account they will clean you out. Don't give the lying scum your account info no matter what they say.
ruthc48 1 year ago
Dave wants to harp on the laws that are broken by debt collectors but isn't someone that has not paid a debt breaking a law by not paying a note in accordance to the promisory note.
clayfield1 1 year ago
@clayfield1 Simply put, harassment, fraud, etc that the debt collectors do are "crimes" against the person and thats why it is illegal. These crimes are handled by the criminal courts. Not paying your debt is a "crime" against property. These are handled in civil courts. I don't believe it was ever said that people that owe money shouldn't pay their debts because they should.
alden2008 1 year ago
@alden2008 I don't buy all this "your crime is worse than my crime". The funny thing about this whole arguement is that if the person that borrowed the money paid there debt then "illigal crime" would never take place. So it seems like the victim in the criminal crime is the instigator of the crime against them.
clayfield1 1 year ago
@clayfield1 You are right. People should pay their debts. Individual responsibility is crucial. All I am saying about the legal system is that there are crimes against property and crimes against the individual and are handled by different courts. You don't need to buy the severity of crimes claim - the law does it for you and classifies it against other crimes. That's why when you murder someone you go to jail for life and when you jaywalk you get a $50 fine.
alden2008 1 year ago
I'm in the UK and cannot believe that this can make the TV!! Yes, there is bad practice in ANY industry, and yes it is unfair if people completely unrelated to the debtor are contacted.....
...but what if no-one had to pay their debts, Credit cards etc. It would be like dishing out 5 and 10 Grand gifts.....no-one would EVER pay it back (me included if they never asked for it back!).
The guy wrote a sensible letter and was interjected with childish remarks.!!
Crazy TV!!!
cockneyskinhead 1 year ago
This guy has no clue. I've been in the collections industry for years and he is making out to be something it is not.
CollectionJobsCo 1 year ago
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CollectionJobsCo 1 year ago
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CollectionJobsCo 1 year ago
These debt collectors drive me nuts. I got calls for YEARS for some woman I didn't know. They would stop after I told them I wasn't hurt and then start up again a few months later. It was so damn annoying. We ended up getting rid of our landline phone all together when we started getting calls for someone else. Now we just use cell phones and I use youmail to ditch companies/people I don't know.
ScaperSteph 1 year ago
@ScaperSteph opps when I wasn't her not hurt (though I had thoughts of hurting someone after getting all those calls lol)
ScaperSteph 1 year ago
@ScaperSteph You are not alone! I volunteer to provide financial/tax/accounting advice to low income and the elderly. If I see 60 people, only 3 people on average are NOT receiving calls for someone they don't know. Freakin unbelievable. These people are out of control.
GOPSUX100 1 year ago
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Creolebway 1 year ago
I loved this video! And really, Ramsey has a very good idea of what is actually happening.
Fightdebt 1 year ago 2
If the activities are illegal then take them to court so there debt license can be postponed. Im a debt collector and i do not for second take my position for granted, i prefer to actually have a conversation with somebody on how they can resolve the issue.
AirLockBelsen 1 year ago
This has been flagged as spam show
They are all scum.
matthewetchie 1 year ago
If you pay your bills then you wont have to deal with deal with debt collectors its that simple
storyofreyesyear 1 year ago
twitter follow for follow @KSIMONS4YA
JayRiddaZJerkin 1 year ago
ha debt collectors are scum. they help econ? my blah. the banks get more insurance and bail out help then any one,only to send it offshore. most collecting agencies are offshore subsides and dont even invest in the usa much.
EYEOFASERPENT 1 year ago
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EYEOFASERPENT 1 year ago
$277.86 GONE! CONSUMER WARNING! "EXCESSIVE FEES" SHARE BALANCE DORMANCY FEE - - 2010-09-16
It appears that Central Credit Union of Florida has found a way to completely turn fees into a BONANZA for Central Credit Union of Florida.
Just google "CREDIT UNION dormancy FEES"
walterbbutler 1 year ago
Last time i checked taking a good or service without paying is stealing. 90 percent of debtors are thieves the other 10 percent have fallen on hard times but i guarantee they will stay on the phone and figure out a resolution to the debt.
preslaude 1 year ago
@preslaude that number should be reversed. I seriously doubt 90% of people who fall on hard times are thieves who set out to defraud someone. Many people fell on hard times even those who were responsible with their money. Not that matters if you are, because in our banking system, no matter how responsible people are, the way the banking system is set up guarantees that some people will default or be foreclosed on. That's just how it's set up.
TOROBUITRE808 10 months ago
And are you suggesting that people just pay somebody whatever they ask just because they called and demanded payment? You can make an argument that not paying a debt is a dishonorable thing and in many cases I would agree that you are right. However, wouldn't you also consider it dishonorable for some company to buy a bunch of debt for $.02 on the dollar and then start calling people demanding payment when they have no real proof these people actually owe anything?
TOROBUITRE808 10 months ago
This has been flagged as spam show
this guy is a douche.
DawgPoundBrutus 1 year ago
try debt management to get rid of the harassing calls
LeonardMRubino 1 year ago
bull....bull...bull....lol, i love this guy.
CmiReps1 1 year ago
DEBT COLLECTORS ARE SCUM!!! Though I don't owe any debt, Chase credit services would call me several times a day from 8am to 11pm asking for some woman even though I told them they had the wrong number. After several calls telling them they had the wrong number, I, with permission, recorded the conversation quoted the laws they were breaking to the supervisor and threatened a law suit.
That shut them up.
GO DAVE!
pavs04 1 year ago
@pavs04 Good for you, my parents and I would have had a great lawsuit against chase, if my parents had recorded one phone call from them. They called my parents when they wanted to reach me and not only did my mother say that they wanted me but they tried to work with my mother to get a payment, telling her that if she made a partial payment that it would wipe out my entire debt responsibility with them. That would have been an awesome lawsuit.
rayme4raw 1 year ago
The other thing is this: though I'm not, and can not, be for these medieval tactics these debt collectors sometimes use, it must be mentioned that the debt collector is not the cause of the consumers financial woes. We live in a materialistic, more is better society, that is extremely hard to break
its cycle of gotta have it now. There is no end to the cycle. You have to humble yourself. The debt collector may humble you enough so not to get you into the same trap again looking for a way out.
jfko6 1 year ago
Awesome!
True the President is a pro for doing very little and earning very much. The best creditors will, after they've realized they can't squeeze any money out of you will reduce your rates to zero, with some strings, but allowing you to pay it all off while keeping to an agreement.. At this point they rather not stress you and you not stress them. And than return your credit to normal.
So I don't agree that this is how you should respond to the Presidents letter.
-JFK
Lockergnome network
jfko6 1 year ago
I will say that I work for a collection agency for several year and I have never treat a person the way Dave Ramsey claims nor have I release information about someones debt to a minor. I think his thought are a very narrow veiw of a handful of agents. Also to say that a debt colletor is scum is only a way to make yourself feel better about not paying your debt and steal!
goddessvixen7 1 year ago
@goddessvixen7 I wonder if it depends on what he means by collector. I worked in auto finance, our collectors had it easy, we never had to be mean or rude because after 4 to 6 months of non payment, we repo'ed the vehicle. Does he mean credit card collectors after six months when the debt is sold to a collection agency for 5 cents on the dollar. I can see those collectors getting heavy handed.
rayme4raw 1 year ago
Yes bill colectors are skum, yet those who don't pay their dept (a form of theft) are worse then skum.
simontimon2 1 year ago
@simontimon2 not when credit card companies jack the interest up when THEY feel its time. You make 7-8 years of payments always ontime and it goes from 7% to 19% because of our idiot liberals in office? nope, they are the scum, not the people who pay ontime and get screwed.
Icetitan777 1 year ago
You see theres this majical thing called saving you use that when you need money.
(Don't buy what you can't afford)
simontimon2 1 year ago
@simontimon2 oh wow, is that how it works? hmmm
Icetitan777 1 year ago
Instead of using your money for ciggarette, beer, or brand new car. You put the money in a bank accout.
simontimon2 1 year ago
@Icetitan777 You're right, I had perfect credit for over a decade, was rolling over several thousand at 0% interest each year. After Sept 2008, no more roll over offers and I saw my interest jump from 0 % to 6% all the way up to 20% in one year. I was still making payments on time and everything. Needless to say, I cancelled all my credit cards.
rayme4raw 1 year ago
So very true, Great video
DebtCreditHelp 1 year ago
Great info! I have a friend who worked in collections! Probably part of the reason he committed suicide (sadly). He shared A LOT of insider info with me and it was beyond disturbing! My daughter also was "offered a job" in "sales." Turned out to be a collection agency and she only lasted until the lunch break! Her boss threatened to kill staff, clients, and even threatened to rape her!! She got the hell out of there! The whole collection industry needs to be overhauled.
55555annie 1 year ago
Absolutely hold true to what this man speaks. Great job Dave.
exBMRguy 1 year ago
I just don't know what you can do when they have bought a debt from years ago - it's on your credit report, - how do you get them to back off? You have NO power it seems.
MrGrevy 1 year ago
In my defence, prior to that job, I didn't know the collection process from the back end of the moon.
Now I know how dishonest, immoral and thoroughly unscrupulous the whole process is, and I have nothing but absolute contempt for it - the world would be far better off without it.
If you work for a collection agency, go somewhere else and in the process, you'll get your heart and soul back.
But don't expect or demand respect while you're still there - what you do doesn't deserve it.
dcamaggots 1 year ago
@dcamaggots they can be quite usefull, when somebody you lent money to suddenly wont answer the door and has a private phone number. its great to have these people to throw at them lol
knifelover78910 1 year ago
@knifelover78910
You mean physically throw?
I'd prefer to throw them from the tops of sharp-edged cliffs - it's more productive and amusing that way.
Wrap them tightly in a sack and they'd explode on the way down, like dropped jars of raspberry jam.
dcamaggots 1 year ago