credit card question

You can always go out and look for the pot of gold at the end of the rainbow. That's about what you seem to be wanting to do by trying to find another lender. What makes you think that another lender would take you on when you failed to pay the last one? If you were a lender would you take that risk? I doubt it. You have real problems and it is unlikely that you will find anyone willing to take on the kind of risk that you represent at this time.

Time to stop digging your hole any deeper. Its already far deeper than you can climb out of anytime soon. So what to do about that woman from the call center who keeps on nagging you? First of all, go out to Wal-Mart or Best Buy or somewhere like that and get an Olympus digital voice recorder and record all the phone calls. Then click on my google docs link below and look for the link to my 18 questions to ask debt collectors every time they call. Listen to the recordings too. Some of them are pretty funny. Learn how to take control of the conversations that way. They won't be bothering you after a couple of calls or so and they get nowhere. They get paid for collecting money and as soon as they learn that they aren't going to get any money out of you they will quit bothering you. So the woman is very hard to understand eh? Nothing new about that either. One of them surprised the heck out of me years ago. She said her name was Sophia so I figured she was Spanish so I thought I would make it a bit easier for the poor thing. I started speaking Spanish to her and she didn't understand Spanish because she was from India. I've had the same thing happen when a call comes from the Philippines. They speak a really convoluted form of Spanish but don't understand real Spanish. You will also learn how I handle calls when they don't speak English. You see, I speak every language except Greek and that stuff from India is all Greek to me. (LOL). Philippine is also Greek to me. (LOL).

Anyway, use my 18 questions on them every time they call and you will very quickly be wishing they would call you again so you can have some more fun with them.

 

That's no problem. Anybody can make up their own questions with no problem and maybe can improve on them somehow.

Common stuff like

1. What is your name?
2. What is the name of the company you are calling for?
3. Where are they located?
4. What is their phone number?
5. What is the company address?
6. What is their zip code?
7. Who are they trying to collect for?
8. How much do they claim I owe?
9. What is their address?
10. What is their phone number?
11. Are you recording this call?
Then start in on the caller.
12. What is your name? (Again)
13. What is your addresss?
14. What is your phone number?
15. What is your Social Security number?

Its that last one that gets them every time. (LOL) Of course, I only got one debt collector dumb enough to give me some kind of answer to all 18 questions but he wouldn't actually give me his address, phone number or SSN. The conversation went downhill from the point where I wanted his address. (LOL). Luckily I was recording the call.

It isn't really the questions that are anything strange or unusual except the personal stuff which of course they don't have to tell you. No law in the world will make them tell you that over the phone. I didn't go copy and paste the questions. I just took them from memory. But as I said before it really don't matter what other questions you ask them. You will probably never get to the end of all the questions before it becomes useless to continue because they aren't responding to those last few questions. When they quit responding its time to tell them you dispute the debt and demand that they validate the debt and tell them to have a nice day, then hang up on them.

After having to go through all the above 2 or 3 times I've had debt collectors call me, recognize my rather distinctive voice and say "OH GOD! NOT YOU AGAIN!!!" Then hang up on me without saying another word. (LOL). Getting all the questions exactly right isn't the real trick. It is getting the upper hand in the call and keeping the conversation going your way without letting them ask any questions or get control of the call. Don't ever let a debt collector get control of the call. Don't give them an inch or they will take a mile every time.

We hear horror stories all the time about debt collectors abusing people on the phone. Women who are already under deep emotional trauma either from getting hounded to death on the phone or because of some illness or old age or because of problems at home with their family members which are causing great emotional distress. Debt collector calls at an inopportune time and the woman is instantly reduced to a blubbering emotional mess, crying because she just don't know how to handle the situation. Instead of recording the call she is reduced to trying to make sick excuses and promises she can't possibly keep just to get rid of them.

It isn't just women either. Even men can fall victim to the same debt collector treatment too. Those calls just drive people up a wall after so many. Phone ringing off the hook all day and half the night will drive anybody up a wall after a while. So learning how to put a stop to it quickly and effectively will make all the difference in the world.

In order to learn how to actually do what I am advocating people need to listen to the recordings of me and others actually putting it into practice. Listen to Pat Bateman trying to answer the famous 18 questions

 

I know nothing of Aussie law but if it is like U.S. law you can write as many letters to the original creditor and all you will do is waste your time and money.

Until the economy picks up? Just when do you think that might be? I'm guessing that isn't going to happen until about 2020 or so. Yes, I am well aware that nobody including myself wants to hear that but the bitter facts are that most depressions last at that long. Even though we don't want to think in terms of 10 or 20 years or more before the economy picks back up again, that's what is in the cards right now. New statistics show that consumer confidence is down again and worse than ever. Orders for new durable goods are down again this quarter as well and all other major indicators are also trending down while unemployment is trending up and not down. It will take something very drastic to turn the thing around. Last time we hit the skids it took WWII to bring it back and make the economy sing again. In just a few months after Dec. 7th, 1942 America turned it's car factories to making the machines of war. Everybody went to work. Everything turned to expansion and our economy went for the stars. Today we don't have the factories to do that in the event we really went to war. Major wars aren't all that likely to happen anymore either. So what is going to give the common man the confidence that will be needed to turn it all around? Nobody knows at this point. But one thing is for certain and that is that before that can happen people have to go back to work again and they have to be making the money it takes to turn an economy around. China has one of the most vibrant economies in the world today and because we aren't spending so much anymore China's economy is starting to show signs of weakness too. There are no solutions in sight today. So it is time to face the reality that it is all downhill from here for the foreseeable future. Those who think otherwise will likely find out the hard way soon enough.