A New Shakedown?

I have a question for the single mother debt collector. How long would you be able to pay all of your bills if you were to find yourself unemployed? I would be willing to guess that you would go after you childrens father for more money and then annoyingly call him at all hours of the day and night if he refused to give you more. One last question, when you were 16 or 17 sitting in school did you dream of becoming a debt collector or did you find your way into your current job because you were too stupid to become something better. Debt collectors are lower than scum in my opinion. By the way, I do not have any debt but I have had some experience dealing with scum like you.

The thing collection agencies do that aggravates me the most, is when they call early in the morning to try and ruin a persons sleep. When you dispute the bill, they try to argue with you, then threaten to call lawyers.

I find it funny that this article is titled "a new shakedown". It would really be nice to see a new slant on one of these big bad bill collector articles. It's been written to death in one article after another about all the horrible things that collectors do....what about the debtors? Just one time I would like to read about how the vast majority of these debts are valid and how these people are stiffing hard working business owners. An article that mentions the profanity and constant lies that collectors have to deal with would be a welcome change. Contrary to popular belief, most debtors are not innocent victims, they are the cause of many financial problems for all types of businesses

Its interesting the the article says that blacks are the ones being sued. I own a business and I can say this is my number one source of fraud. In the store where my wife works its also the number source of shoplifting theft.

Perhaps a bit more emphasis should be made on the fact that the delinquent consumers, in most circumstances, put themselves in these positions by overspending and committing to expenditures that were beyond their means. The big exception to this, of course, is medical spending. Yes, debt collectors need to act within stated guidelines. However, consumers need to take responsibility for their overspending. When they overspend, they are basically stealing services and goods...causing higher prices for the on time bill payers...sort of (well, exactly like) what shoplifting does to prices. But, don't we arrest people for shoplifting??? Hmmm...

my father left town with his girlfriend and left my mother holding the bag on the massive amount of credit card debt he built up on cards in both their names - mostly buying his girlfriend expensive gifts. the debt collectors were relentless. she didn't create the debt and she didn't have the money to pay it off. (you don't know my mother, she would have paid if she could have.) she had enough trouble keeping the house and buying heart medication. i had to quit college to work two jobs to help her. the phone would ring, my mother would answer it, then i would hear her sobbingly try to explain that if she sent them money, she couldn't afford her medication. i tried chaning out number, that didn't work. then i bought a cordless phone and started carrying the phone around with me. that only worked when i was at home, which wasn't much. eventually, i convinced her to file bankruptcy. that slowed the calls down a bit, but didn't stop them.

so, the point of this little story is, debt collectors everywhere, STOP HARRASSING 60 YEAR OLD WOMEN GOING THROUGH TOUGH TIMES. i firmly believe some of those people will burn when they die.

Shake down? What is this world coming to? Why do people feel they dont need to pay their debts. I understand people facing a financial hardship, however, many creditors to give their consumers options to protect their accounts when these "hardships" do arise. Here is the problem with these options. People want to be taken care of, they dont want to put in the effort necessary to prevent their accounts from defaulting. creditors on the average try to contact there consumers for 6 months by means of telephone calls and mail correspondence. Most of these attempts are avoided by the consumer because they know they are doing something wrong by not honoring there contract. So they stick there heads in the sand and think the problem is wont come back. This article does speak a little bit of truth. Collectors are very open to payment arrangements. I could go on for hours about debtors. For now I would like to end this by saying, to all of you who dont pay your bills, KEEP IT UP, you are paying my handsome commission based salary. Sincerely, the 6figure bill collector.

I am proud to be an American citizen, though I was raised on 2 other continents. Americans have the highest per capita debt of any country. A lot of Americans leave beyond their means, but when it's time to pay the piper, they sherk their responsibilities. Debt collections perform a necessary "evil" in this country. Yes there are violations by a small percentage of collectors. The industry itself polices these abusers. But they did not get these people into to debt: that is a self inflicted wound for which we need to take responsibility. Why am i not seeing long blogs, and big headlines on the mortgage brokers who gotten hundreds of thousands of people in dire straights, through deceptive practices. or....The people who got into these homes with the FULL knowledge they could not afford them. There is lots of blame to be divided regarding all the bad debt, but the last people you shold hold liable is the collection inductry, and the bigest, and most overlooked cuprits are the consumers/debtors. Lets take responsiblity of our own averice, and pay what we rightfully owe!!! We are a nation of whiners...

Hurting small business owners huh? These are for the most part mulit-billion dollar credit companies or businesses that are hounding people who should have not been extended credit in the first place. Also on top of the fact that they should not with all good faith been given the credit the companies offfer interest rates as high as 30 percent which is something the Mafia wouldn't even do. They disgust me.

wow. Makes me glad I don't own a credit card. I remember my mom had one and the harassing calls were annoying. If they keep calling you for someone with the same name, why not change your number? It may help. Or get rid of your landline?

Homosexuals should not be aloud to spend time with children and corrupt there minds. Homosexuality is just as wrong as Murder they are both depraved sick crimes against what is natural.
Both these crimes fly in the face of what is normal decient human behavior.
Anyone that supports homosexual activity is a contributor to it.
Homosexuality is wrong.
Its is not diversity it is perverisity
They should be given the mental help they need.
It is not about left or right wing politics its about right and wrong.
Homosexuality is wrong and always will be just because you say its not does not mean its true.

Debt collectors are only doing the job they have been able to get.
The real fault here lies with the Banking institutions who have done the preditory lending trying to get as much money as they can out of people for as little as possible on there part.
Homosexuals should not be aloud to spend time with children and corrupt there minds. Homosexuality is just as wrong as Murder they are both depraved sick crimes against what is natural.
Both these crimes fly in the face of what is normal decient human behavior.
Anyone that supports homosexual activity is a contributor to it.
Homosexuality is wrong.
Its is not diversity it is perverisity
They should be given the mental help they need.
It is not about left or right wing politics its about right and wrong.
Homosexuality is wrong and always will be just because you say its not does not mean its true.

I understand these people are only doing what they are told. I am getting sick and tried of getting these calls. They call for someone I don't even know but has the same last name. I have had my phone number for over 25 years. The most maddening call is from Encore, the message says to call this number, so you call the number they tell you to dial 101015 and follow the instructions well they want to charge you $5.00 to give the information, great now they are going to charge for information. These people just plane do not want to hear anything you say. I have spent several thousands dollars having my lawyer write letters but I still get the calls. Maybe it is because I have only debts that I pay monthly mortgage, car and 1 credit card. All I know I to the end of my rope. There has to be away to get these people to listen instead of blocking everything out.