Journal bouncingbean's Journal: debt collectors and ways to... 3
Ok, so I'm getting my usual barrage of debt collector phone calls. I've been out of work for a month now and all of my bills are backed up pretty bad. I try to make payments when I can but hey, it's hard sometimes. I'm going to job clubs and hitting the job bank and local employers, I have a few things lined up (interview on wed) so its not like I'm sitting on my ass all day. Also should mention I'm working with the reserves part time hence how I'm able to make a payment once in a while.
SO here's my beef. Debt collector 2 calls me up, gives me a real hard time about me owing money. Normally I'm fine with that, thats what they're paid for and he asks the usual question Q: How are you able to live off of 400.00 a month? A: On the sufferance of my room mate (how she puts up with me I don't know). ETC... Then he asks some new questions, Q: Have you been looking for work A: Yeah, of course Q: What kind of work are you looking for? A: I'm not comfortable talking about this with you. Thats where we get into the argument.
For some reason he figures since I owe money I have to give all of my personal information and activities to him. I think not.
He also starts making some stupid comments, such as "When you borrow money your supposed to be able to pay it back" my response "ok, what job did I have 4 years ago when I borrowed the money? what job do I have now?" He stammered and said he didn't know what job I had then. Hmmmm it might have been a well paying full time job instead of the part time crap I'm doing right now. Oh and when I asked for his supervisor or team lead he gave me the usual "he's in a meeting right now" bullshit. Ugh, I hate dealing with dumbasses, sometimes I wish I was able to *PUPPY DOGS, FLUFFY FUZZY PUPPY DOGS* to dumbasses without getting arrested. Oh and my brother is a debt collector to. Bastards co-worker actually phoned me up once for his parking tickets (under my name).
Off to the gym to work out some aggression.
-Leon
SO here's my beef. Debt collector 2 calls me up, gives me a real hard time about me owing money. Normally I'm fine with that, thats what they're paid for and he asks the usual question Q: How are you able to live off of 400.00 a month? A: On the sufferance of my room mate (how she puts up with me I don't know). ETC... Then he asks some new questions, Q: Have you been looking for work A: Yeah, of course Q: What kind of work are you looking for? A: I'm not comfortable talking about this with you. Thats where we get into the argument.
For some reason he figures since I owe money I have to give all of my personal information and activities to him. I think not.
He also starts making some stupid comments, such as "When you borrow money your supposed to be able to pay it back" my response "ok, what job did I have 4 years ago when I borrowed the money? what job do I have now?" He stammered and said he didn't know what job I had then. Hmmmm it might have been a well paying full time job instead of the part time crap I'm doing right now. Oh and when I asked for his supervisor or team lead he gave me the usual "he's in a meeting right now" bullshit. Ugh, I hate dealing with dumbasses, sometimes I wish I was able to *PUPPY DOGS, FLUFFY FUZZY PUPPY DOGS* to dumbasses without getting arrested. Oh and my brother is a debt collector to. Bastards co-worker actually phoned me up once for his parking tickets (under my name).
Off to the gym to work out some aggression.
-Leon
Suggestions (Score:2)
1. Contact your creditors, and work out reduced payment plans. Show them sincerity. They want thier money sooner (preferably) or later. Thier big fear is that you will skip or declare bankruptcy.
2. Debt Collectors. Be polite, but firm IF you chose to deal with them. The only valid subject for any conversation is what you can pay, when. Lectures need not apply.
3. Don't accept "my manager's not here". Respond with "then this conversation is over. Goodbye."
4.Don'
Re:Suggestions (Score:2)
Er...I thought our dear Mr. Bean was Canadian?
If that's so, this might be somewhat helpful [canadianlawsite.com].
(Good luck. I've never had a debt collector on my ass, but the way things are going lately, I may yet have that dubious pleasure sometime soon...)
Cheers,
Ethelred
Re:Suggestions (Score:2)
Seriously, I'd look for a website arguing for the debtor, not one presenting the options available to the creditor (though it is important to know what those are). From a quick glance, it appears that they don't have an analogue to the Fair Debt Collection Act. Too bad.