Seriously... I figure they have a good role by collecting from people that are irrisponsible BUT why is it that they all act like SCUMBAGS? If I was a CA I would make sure to have all of my paperwork together, cross all t's and dot all i's before I try to collect a debt, I wouldn't harrass people if they have problems paying and I would understand how credit reporting works and if a debter is willing tp pay for deletion I WOULD DO IT!! F**K YOU RMA, ASSET, NCO, and the rest of you SCUMBAG CAs .. OK.. I will stop ranting now..
Okay, I am going to regret typing this and I hope this is in no way interpreted to mean that I am in support of CAs or there methods but there are actually some responsible companies in the collection industry. Companies that do just as you have outlined - such as treating people with respect and following the rules (laws) when it comes to FCRA and FDCPA. Unfortunately since the squeaky wheel gets the grease, we never hear about these types of collection agencies. Why would we since debtors that deal with these companies are rarely humiliated and/or insulted during the collection process. The people that deal with these types of companies really do not have reason to complain. Unfortunately, even these companies have to manage the rvenue stream and if the company can not collect on an account, then it is sold and moves another step down the collections food chain - towards the bottom feeders and this is usually when we start hearing about the companies you mentioned. Michael
