WATCH OUT FOR THESE CRIMINALS....! I worked at this company and everything they do there is illegal. They purchase all of this debt and pay the collectors 20% per payment. They tell us to represent ourselves under false aliases and threaten check fraud by reciting the laws that govern the state that the debtor tive in. We used to refer to ourselves as "investigators" and pending warrants on every debtors answering machine, and threated to issue a summons by a local sheriff through the magistrate court. They are CLEARLY breaking the law. If they call you DO NOT PAY THEM...GET A RECORDER AND SUE THEM FOR WHAT THEY ARE WORTH!!!!
Rick I find it hard to believe you also. I asked them several questions also and they were all ignored in one fashion or the other. I also find it hard to believe that your the only person who posted here that did not have a problem with this company.
It appears to me that your the one out of context here. You also appear to be the only one that is continuing to defend their actions. To me this could also be an indication your covering up.
when i got a call from these people, initially i was told that i owed a certain amount and immediately i got upset with the collector. that resulted in the collector trying to explain what company she represented and etc. looking back i know i could have handled the situation better. i took down their information, called again and spoke to Chris who was very formal and reassuring on the phone. i was transferred back to the collector and arranged a payment plan because the sum of money i originally borrowed was quite large. anyway, as long as you keep it cool the phone call should go smoothly. you cant avoid paying debts.
also, i was reading what jim was writing, and honestly it seems like this guy is a pro when it comes to dealing with collection agencies. lol. seems like hes just mad at all of them so hes posting on sites to get other people mad at them. dude just stop borrowing money. i dont know how you have a house and car and all the stuff you said, i dont feel like scrolling back up, with bad credit??? if you have to deal with so many collectors your credit obviously isnt going to be the best.
Unless you're "judgment-proof" (that is, broke) or truly plan to file for bankruptcy, most credit counselors believe that you shouldn't ignore your debt or try to hide from a debt collector. Generally, the longer you put off resolving the issue, the worse the situation and consequences will become. Whether you negotiate directly with the collector or obtain a lawyer's assistance, most counselors feel it is almost always best to talk with the collector and work out a mutually satisfactory arrangement.
I got a few calls at work, and that was annoying and they were kinda rude, but once i gave them my cell number and calmed down, they were fine. i guess my check was for the wrong date, and i had overspent on my car. i assumed i would have the money by then, but whatever. i have it now, and everything's fine. sometimes things just accumulate or you forget, but i agree with rick. things happen sometimes - just take care of it.