I work for THD collections...Pick up the phone and talk to the people calling you! If you cant pay WE CAN help you...FYI cursing,lying and being evasive only hurts you in these kinds of situations. To be honest when we do speak to someone who is trying to help themselves, we work that much harder to help you out. Not all collectors are evil nasty people...Also you should tune into Dave Ramsey! Everything he says is dead on other than that you should ignore collectors (at least for THD) we want nothing more than to help out!
Also if you dont have an account and are getting call please remember that people change #'s a lot now. So many times this is what happens, tell someone you may get 1 or 2 more calls until our systems update but that should clear it up...however we are allowed by law to call back to that number if it appers it could have belonged to a card holder.
Im not sure where people are getting some info but, we can call again by law up to 9 times a day (if we do not speak to you) So pickup and have an meaningful intelligent conversation it will help you out a lot. PLEASE REMEMBER WE ARE PEOPLE TOO! WE CAN HELP YOU MORE THAN YOU CAN EVEN IMAGINE SO TALK TO US!!
First off, pick up the phone and tell them when you think you will have the money and the calls will stop. They will only restart if you break your promise to pay your delinquent account within a few days of when you say.
Second, if they make contact with you, even if you hang up, they can't call back for 24hours due to their policy. So by not picking up the phone you are allowing them to call you as much as they want. They also don't leave a message because that counts as contact.... So pick up the phone.
"We have a home depot account, but always on time with payments.
Let them keep calling...they're not wasting our time!"
If they are calling then it is in their system that you have a delinquent account. You may be unaware of a finance charge or something, or it might be a mistake. Either way, you would be wise to pick up and find out.
They may not be wasting your time, but they are ruining your credit. If your credit score is important to you, pick up the phone.
I like the way you think. I sure did it & they can call all they want because im not paying them a penny. I worked for that company & they dont know what they are doing, Its the worst job i have ever had in my life. I hate bothering people i know how it feels thats y i couldnt work there. I did whatever the customer asked & gave them whatever they wanted but the managers still wasnt happy. They are all about money money money.