레이블이 Fair Debt Collection Practices Act인 게시물을 표시합니다. 모든 게시물 표시
레이블이 Fair Debt Collection Practices Act인 게시물을 표시합니다. 모든 게시물 표시

2013년 11월 24일 일요일

About 'debt collectors agency'|Large Debt Collectors & Consumer Reporting Agencies To Be Supervised by CFPD







About 'debt collectors agency'|Large Debt Collectors & Consumer Reporting Agencies To Be Supervised by CFPD








Debt               collectors               are               not               real               people.

They               are               miserable               hollow               shells               who               sold               their               humanity               to               become               minimum               wage               phone               thugs.

Now,               like               zombies,               debt               collectors               call               you               incessantly               with               threats,               harassments,               and               heavy-handedness.

If               you               haven't               figured               it               out               yet,               most               of               the               things               debt               collectors               will               tell               you               are               lies.

And               it               is               almost               impossible               to               stop               debt               collection               calls               without               actually               paying               these               zobmies.

Still,               you               shouldn't               feel               bad               about               fighting               back;               don't               feel               bad               about               doing               some               harassing               and               threatening               of               your               own               the               next               time               you               received               debt               collector               calls.
               Here               are               five               awesome               things               to               say               to               debt               collectors.

They               probably               won't               help               you               stop               debt               collection               calls,               but               you               might               feel               a               little               better               about               yourself               for               flipping               the               script               on               debt               collectors.
               1.

"No,               my               records               indicate               that               you               owe               me               $2,000!"
               Insist               that               the               debt               collector               owes               money               to               you.

Childish?

Yes.

Innefective?

Absolutely.

Hilarious?

Definitely.

They               won't               know               how               to               respond,               and               that               means               that               you               can               at               least               win               one               battle               in               your               war               against               "the               man."               Ask               for               their               personal               bank               information.
               2.

"I               sent               a               payment               this               morning."
               A               lot               of               us               are               already               using               this               gem               because               we               know               that               it               can               stop               debt               collection               calls               (at               least               temporarily.)               Make               them               believe               they're               getting               what               they               want               and               they'll               leave               you               alone               for               a               week               or               so.
               It               also               works               good               if               you               actually               DO               send               a               payment,               but               the               downside               is               that               it               kind               of               costs               money               to               do               that.
               3.

"I               can't               deal               with               you               people               anymore.

I've               wired               a               bomb               to               my               phone.

The               next               time               I               receive               a               call               from               your               number,               it               will               detonate,               killing               me               and               everyone               within               a               two               mile               radius."
               Force               the               debt               collector               to               make               a               moral               decision;               maybe               it               will               force               some               humanity               back               into               them.

Of               course,               the               reality               is               that               they'll               know               you're               bluffing,               but               it's               still               a               pretty               good               one.

Even               if               they               think               you're               serious,               they'll               call               back               anyway               because               debt               collectors               don't               care               if               you               die.
               4.

"I've               told               you               five               times               that               ________               doesn't               live               here               anymore               and               asked               you               to               stop               calling               this               number.

I've               recorded               the               last               two               calls               and               my               lawyer               says               they'll               hold               up               in               court               when               I               file               my               harassment               suit               against               you.

Could               I               have               your               name               again,               please?"
               Put               some               fear               into               the               debt               collector.

Again,               we're               using               their               scare               tactics               and               legal               threatening               tactics               against               them.

You're               not               talking               to               the               CEO               of               the               debt               collection               agency--you're               talking               to               some               young-twenties               jerk               at               a               call               center.

You               won't               stop               debt               collection               calls,               but               you               just               might               ruin               somebody's               day               over               the               phone,               same               as               they've               been               doing               to               you.
               5.

"Can               I               send               you               my               [cat/toaster/medication/prom               dress]               instead?

It's               worth               a               lot               of               money?"
               Choose               an               idiosyncratic               item               and               insist               that               it's               worth               the               amount               of               your               outstanding               debt.

The               debt               collector               will               tell               you               that               this               item               isn't               an               acceptable               method               of               payment.

Don't               listen               to               them.

Keep               insisting               that               you're               going               to               send               the               item.

Ask               for               the               payment               address,               ask               if               you               should               send               the               package               with               insurance/delivery               confirmation,               etc.

Here's               the               good               part:               repeat               the               mailing               address,               confirm               the               item               you               plan               to               send,               and               ask               for               the               debt               collector's               name.

Tell               them               you're               going               to               send               a               letter               to               their               supervisor               commending               them               for               all               of               their               help.

Then               hang               up.

Follow               through;               actually               send               this               letter.

Write               about               how               wonderful               the               debt               collector               was               to               you,               and               how               he/she               worked               out               a               payment               plan               that               would               allow               you               to               send               in               your               cat               instead               of               actual               money.

Be               sure               to               use               the               debt               collector's               name               in               your               letter.

(And               then               don't               actually               send               them               your               cat.)
               It's               hard               to               take               joy               in               a               crappy               situation               of               eternal               indebtedness.

You               really               can't               stop               debt               collection               calls               without               paying,               but               with               a               little               creativity               and               a               lot               of               healthy               spite,               you               can               use               those               dreaded               calls               to               take               some               of               your               anger               and               frustration               out               on               some               butthole               debt               collector.






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