Post funny collection agency story

I had one tell me they were closing and deleting the account because I was psychotic and it was not worth their time to collect on. I called them like 10 times a day and sent intent to sue letters right and left. Of course, it helped my cause when they broke about a dozen fdcpa laws but hey, you live by the sword you die by the sword.

 

99.9 pecent of ca's must be psychotic then.

 

Edoggie - did your friend ask if he'd get a receipt and TL deletion? hehehe

I had a CA on my report years ago and the debt was paid. I called them up and demanded deletion and they flat out refused. I hung up - then I got pissed off and called them back. Same response... So I called Again and a Supervisor answered and added "you've been very busy today". I told her the debt was paid, she refused to delete, so I threatened to go to the BBB and AG (this was before I knew anything about credit, CAs, CRAs, etc) She said "fine, that's your right". THEN she told me that *I* had to go to the OC and get confirmation that the debt was paid. WTF?!? Fortunately, the OC was not far from me, so I got them to confirm with the CA. I called back a few days later and they told me it had been deleted from my CR. My first, hard fought credit victory !!

If anyone wonders, the CA was sued by a fellow CN a short while ago, started trolling on the thread and was sniffed out immediately. Some things never change, I guess....

 

Regarding the threats....

You friend hasn't sued for violations of the FDCPA because.....?

I have a good one.

For two years after I defaulted on my CC's, I attempted to negotiate a collective settlement agreement with my creditors (OT: This was before it dawned on me that OC's really don't care about the money, they just want revenge). One step of this process was making sure that I was negotiating with someone at the OC's office that had the authority and ability to negotiate and accept a binding agreement. After all, I don't want to waste my time talking to some low-level lackey that has to ask permission to take a potty break.

Of course I knew that the second I called them that they would crank up the collection machine and start pressuring me to pay. At one, it took me a couple of days of blowing off low-level idiots to get to someone who could make decisions. This woman I got to was a pit-bull. She was so excited that I called her to negotiate a payment plan.

I was very careful to let her know why I was calling. I was only calling to make sure that I had the proper contact information and was negotiating with people who are authorized to do so. I was not going to discuss anything outside of the scope of my phone call purpose. I was not going to negotiate over the phone. All offers and counteroffers were going to have to be in writing.

She of course had a million questions. When was I going to make a decision? How was I going to make a decision? What was my criteria? Etc. Etc.

I told her that I was not going to answer her questions. Instead, I would take the basic facts that she and my other creditors supplied, such as current amount owned, contact information, etc., sit down with my lawyer and compose and opening offer.

Of course she demanded to know when I was meeting with my lawyer. I told her that I did not know, but she would get a letter with the results of the meeting.

She then demanded a phone conference with my lawyer. I refused. I told her that he was my lawyer, and I was not going to pay his time to chit-chat with you on the phone.

She kept demanding to know when I was going to meet him and when she was going to get her offer. I told her that I did not know. It depended on when he was available and when I had all the information we needed gathered.

Then I screwed up. (Note: This is why I recommend that you never talk to a CA on the phone). I made the mistake of telling her that we were shooting for a meeting Tuesday next week. OOPS!

She was really excited now. She wanted me to call her from my lawyers. No way. I told her that I would write an offer letter after my meeting.

Not good enough. She demanded that I fax her a letter right after the meeting. I agreed I intended to send her a copy of the same letter registered mail, return receipt just to cover my ass anyhow.

The was my second mistake. NEVER agree to anything with a CA. Once you agree to one small thing, they try to use that to leverage other agreement.

Now that I had agreed to fax her a letter, she then demanded to know exactly when it was going to arrive. I did not know. I depended on the results of next week's meeting with my attorney. She was not going to let that go. That is when she made her mistake (Note: CA's, when they get greedy and excited, make mistakes. So in order to get a CA off your case, give them enough to get them all excited. They get like a dog in heat and will do or say anything at that point). In order to justify her demand for knowing exactly WHEN my fax would arrive, she concocted a BS story.

She told me that sometimes faxes get lost. I said "Too bad". She then told me, no joke, that she was concerned that a fire might break out and that she would loose the fax. I didn't buy it. I told her that I would fax her a letter when the offer was ready, no sooner, next Tuesday probably. Then I hung up.

After I hung up and started kicking myself for being so stupid. I should have never agreed to this, and I should have never given her a deadline to do so. I was so mad!

Then it struck me. She gave me an out! So I sat down and wrote her a letter. In the letter I expressed my great concern for her lack of faith in her fax system. I then said that if she is so concerned about how unreliable it is, even that there is a risk of fire, then I agree that it is far too unreliable to use for something as important as this. Therefore, I concur that the fax system should not be used and I will be using the reliable post office method.

I faxed this letter to her with the closing sentence that I hoped this fax got into her hands without catching fire.

I swear, I could hear her head explode from 2000 miles away.

 

Perfect!

Be creative.

Also shows you do your best thinking when you're not mad.

LOL