Deadbeats? What about single parents doing everything they can to get by? First generation college students trying to change their lives? People who develop serious illness? Cancer?
Debtors prison? Yeah... take people who owe money... and put them in jail... where they don't earn ANY money AND give law abiding citizens a criminal record - which would alter their ability to gain any substantial employment.. NOT TO MENTION putting regular people away with actual criminals is basically sending normal people to crime school.
I'm a medical student, one year away from joining Doctors Without Borders, and making a differences in some of the darkest places in the world. BUT, because Sprint decided to charge me an extra months service- without my knowledge- they decided to turn me into collections for 56.43. So the world is a better place if I am in debtors prison because Sprint is immoral and flat out wrong, rather than serving people that would otherwise have no access to healthcare?
I realize I am an extreme case, but I also know that I am not alone. Some people do take full advantage of the current system. THANKFULLY, we have things called credit scores that follow people, and alter the interest rates they pay, or even their ability to borrow money or finance.
I think you should reconsider some of the conclusions you have drawn... for your own good.
Something like 85% of debt collector calls are legitimate. If you are in the 15% then it's unfortunate and if they don't stop you have to go through the trouble of threatening them and reporting them, and then following through with it. Most of them will leave you alone if they think you are serious about the threat.
If you are in the 85%, just pay your bills. If you choose not to live up to your responsibilities you have no right to complain to others who either are responsible or who simply cannot. If you cannot live up to your financial responsibilities take action, declare bankruptcy and start over (also not fun, but at least you are in charge and the calls will stop).
In my experience, most people who do get these calls are, unfortunately, deadbeats. If we resurrected debtors' prisons the world would be a better place.
Bill C
You must be one of the countless sheep that work for these unethical grindhouses.Its people like you that deserve to be behind bars.You lifless vomit patch of a human being.
You're an idiot. I have great credit and no accounts with Chase or owe them money. They call my business all day and tie up the phone line. In this economy people may owe some money they borrowed for food. Families are losing their jobs, homes and cars. Nobody should be harassed like this. So shut your stupid mouth and know what your talking about before you open it.