Never pay a ca a penny.

I saw that one too but can't remember where. The concept is acceptable in theory but in practice it don't always work out.
There are a few things that are really bad advice in the post such as:

Why live in fear every time the phone rings? What those who have such problems need to learn is never let the collector control the conversation. Collectors use a canned script most of the time. If you ask enough questions and demand answers but never commit to anything they will give up soon enough and quit calling.

True enough. But everyone has a 50-50 chance to wake up in the morning alive. Either you do or you don't. No matter what statistics show about whether or not your judgment will be collected on is still 50-50. Either it will be collected on or it won't. Don't bet on statistics. You might fall outside the bell curve.

Not necessarily true either. That's what this forum is for. Teaching people how to repair their credit. It does work for large numbers of people.

That is terrible. Totally false and totally misleading.

More bad advice. Sometimes you can work things out with your creditors. Never hurts to try. The worst that can happen is they refuse to work with you.

And get yourself in deeper than you are now? Forget that!!!!

Wrong again. Any account you can save from getting bad reports by paying as agreed is going to be a positive when you start rebuilding your credit. Credit repair isn't the final answer to having good credit. You need a long history of paying what you owe as agreed to build good credit and every account you can keep in good standing is going to be a big plus later.

Now that's about the truth.

That gives me a clue as to where that might have been posted and who posted it.

That is also true enough.

 

Probably so Peeper but the fact remains that most of it is bad advice for any one.

 

That is the worst advice ever, probably coming from a true debtor. Teach the rest of America to contribute to the growing problems, rising costs at stores. They dont do it for the hell of it, they do it to recoup some of the money they have lost by deadbeats who are worthless people that go and charge up debt without any intention of paying it back. I could care less of any personal problem that may arise if there is a death in the family or sickness. It happens get over it and pay your accounts off deadbeats!

 

To quote a well known source,
Typical rhetoric from one of America's most wanted criminals.

 

You hit the nail on the head!!!!

If it were not for so-called "deadbeats" I wonder how he would make a living?

 

It isn't really a matter of beating up on debt collectors nor about debt collectors abusing consumers. Debt collectors are not evil people cackling about how much misery they have caused their victims.

It isn't really a matter of debtors being evil people who run around trying to see how many people they can defraud. People really aren't that way.

All that rhetoric is nothing more than people letting out their emotions because they have been emotionally and financially stung.

We all need to take a higher moral ground when possible. Those who owe money need to do whatever they can possibly do to take care of their problems. Sometimes that just isn't possible but that doesn't mean they are deadbeats or that they are evil people.

When we criticize others we only worsen our own positions because we make others bitter towards us.

Debt collectors who abuse people on the phone are only making their own public image worse than it already is. Debt collectors who jump into forums such as this one and call people deadbeats are only making their own public image worse than it is.

When we bash them we only cement their already low opinion of us even more solidly in their minds.

In short, when we do those things we only hurt ourselves.

 

no nerve hit at all...i have nothing in collections and neither do any of my co-workers or employees at my agency. we are screened for that before any employment is offered. i find it funny that im ''bashing'' people and it just goes to show how my industry is. calling someone a deadbeat is not bashing them or beating them up, its the simple truth.

dead·beat1 (dĕd'bçt')
n.
One who does not pay one's debts.
A lazy person; a loafer.
adj.
Not fulfilling one's obligations or paying one's debts: a deadbeat dad.

what part of that is not true? and debtors already have preconceived feelings towards collectors so it doesnt matter anything that i say or do. attempting to help someone out of a situation that they created and are now dealing with finally makes me a bad person? an abusive person?

 

Holier than thou, eh?

Debtors are not the only types that read here. So do your customers, lawyers, judges, legislators and many others who visit with a very wide range of viewpoints. Many are also government employees at all levels of government.
Often they hold positions of power in government.

Maybe you would like to take this opportunity to explain to all of us how you help people out of a situation that they created??

Do you do that by doubling, tripling or even quadrupling the amount they owe? I'm sure that helps them bunches. After all, it definitely lightens the load of paper they have to carry around doesn't it?

Or maybe you help them out of their situation by enticing them to take out a life insurance policy in your name large enough to cover the bill and then some if possible then instructing them to commit suicide so their bills will be paid off. Maybe you are also kind enough to instruct them on how to carry out the feat. Now that would really help them out. After all, when they start taking their self imposed dirt naps they won't have to worry about bills, noisy neighbors, drunken parties, or things like that, will they?

Or do you help them out by providing them with a new credit card preloaded with the amount they owe you so the "lender" can immediately start making more interest, late fees, overlimit fees and the like. That really helps them don't it?

Or in the alternative telling them about that neat lender fellow who will refinance their house for them so they can use the money to pay off their debts. That way they can pay higher interest rates over a longer period of time which of course nets you a nice commission check on top of the commission you get for collecting the debt all of which the person you helped will gladly reward you.

Maybe you also give helpful instructions to ladies who tell you they just got out of the hospital with a newborn. Helpful instructions such as "if you can't pay your bills you have no business bringing babies into the world."

Collectman, I've heard all about the helpful things you do for people. The TV and the newspapers are filled with stories telling us all about how helpful you and your ilk have been.

How about the people who have received phone calls telling them that if they don't pay their bills their home will be burned to the ground in the middle of the night? That helps them sleep well, don't it?

Now then, I'm not accusing you of doing those kinds of things. I'm just telling you what has been published in newspapers, TV, radio and the internet about how helpful debt collectors are. Everyone has probably heard all about it. They would have to be blind, deaf and dumb not to know about it.

Now then, kindly tell us how you who surely represent the new breed of debt collectors bent on changing public opinion are helping those whom you contact.

Now is your golden opportunity. Go for it.

 

U.S. Debt Collector Sues Poverty-Stricken African Country

U.S. Debt Collector Sues Poverty-Stricken African Country
International efforts to provide debt relief to impoverished countries are creating opportunity - for private debt collectors. So-called "vulture funds", a term used by the International Monetary Fund and others in the international community, take advantage of outstanding debts not yet forgiven, buying them at steep discounts and suing to force countries to pay the full amount plus costs and interest. Zambia is a case in point, as it has just been ordered to pay a vulture fund, possibly more than the debt relief it recently was granted by a G8 international summit meeting. Donegal International, a U.S. company owned by U.S. Citizen Michael Sheehan according to The Guardian in the UK, is registered in the British Virgin Islands. The company bought Zambia's debt, incurred in 1979, eight years ago at a price of $3.2 million. At that time, Zambia approved the sale of the debt, and later agreed to pay $15 million to settle the debt. Donegal later sued in British court.

Now here is a debt collector really helping out. After all, where did the money come from that granted Zambia the debt relief it was granted at the G8 international summit meeting back when? It didn't come by the dint of hard work by the G8. It ultimately came out of the pockets of taxpayers who did the work and were forced to pay it through taxation whether they wanted to or not.

What did Zambia get out of it? What did the people of Zambia get out of it? More oppression, more misery and a poorer economy. More death and destruction. That is all. That helped them a lot, didn't it?

 

And "tomorrow" he might not be able to do so.

 

i took the job because i find it interesting and fun everytime i walk into work and start my day the stories im going to here and how to prove that they are just stalling to pay the bill. why isnt this a good job? just because i call people and give them the chance to take care of their obligation before they get sued i have a bad job? why cant a college grad seek this type of employment? i have a paralegal certificate, aa in business admin, travel certificate, and working on an aa for paralegal studies. so whats your point to that? i have never been let go from a job because of totals, or let go at all. there are lots of collectors that cant do the job so they hate it and get fired or quit. whats your point? im proud of the job i do and have no shame in it. other peoples misfortunes are usually just dont care about the bill, or the OC didnt let them have what they wanted to they quit paying...big misfortune..it should be a crime shouldnt it? i dont feel sorry for anyone, all debtors got to the position they are in for something they have chose. get a job...get a second job...quit buying new cars, quit going on vacations. i have never been in a position that i couldnt pay any bill. regardless of this job or not, i have always been able to budget correctly and make sure things were paid. what about the oil industry? they are making record profits. do you scrutinize your friends/family that work there for working for those companies?