Who called from 6022543400

If you don't owe it then that can be proven numerous ways. The bad collectors will get weeded out. Great Professional Collectors wil prove or disprove what is or not is owed but you won't know for sure until you communicate with them.

So as I am surfing the net I come across this thread and am literally shocked as to what I am reading. Not shocking in the way that most of the posters on this thread may think but shocked at all the banter about how rude a debt collector was when they were called. I find it incredibly humorous that people are SHOCKED that they were treated less than nice when a bill collector called them. Hasn't this been the reality for years? I believe that most people would agree that if you don't want to be bitten by a snake, you should not be a snake handler for a living. Meaning: pay your debts and you won't have to deal with a debt collector. And IF you happen to fall victim of a circumstance that REALLY prevents you from meeting your obligations to your creditors, perhaps if you make attempts to resolve your debts amicably with a debt collector. I am sure the conversation would be less rude than you are experiencing. The pattern here is the people that bash the bill collectors are usually the ones who will either never pay their bill. It's much easier to attack the bill collector and divert attention from the real issue than to buck up and do the responsible thing and just pay the bill. This is sad.

Hey [***] you, you have no idea why we are being called by these people.
I don't owe anybody any money, and even if I did it doesn't give these people the right to call and harass my wife.
Threatening me with lawsuits but refuse to give me any info.
It sounds like these perigee are trying to scam hard working  folk into paying  bills they don't even owe by scaring them.
And you have the nerve to stick up for them.
Go to hell!!

First draft of the "disappointed" comment, which needed trimming:


So as I am monitoring the net for any bad press about my employer, I come across this thread and am literally shocked. I'm shocked due to my hobby of testing nine-volt batteries with my tongue. Figuratively I am shocked as to what I am reading. Not shocking in the way that most of the readers of this thread may think, but shocked that all the banter here about debt collectors indicates that we're just not being rude enough.

I find it incredibly humorous, not to mention shocking, that people are SHOCKED that they were denied their federal rights when a bill collector called them. Hasn't this been the reality for years? I would like to fall over in my cubicle chair, but I cannot decide if I should do it laughing or frozen in shock. Do you think I have used the word "shock" enough, or would a few more be overkill? I believe that most people in my office, who are also shocked, would agree that if you don't want your pants soiled, you should not be a trouser snake handler for a living. This has nothing to do with the lecture, but I thought you should know.

Anyway, pay your debts and you won't ever never and not once have to deal with a debt collector. We'll call you if you're a deadbeat's mom or dad, but that's it. Oh, and also if you're an ex-spouse, or you once knew your ex-spouse's mistress. We'll be calling if you're extended kinfolk six states away and the deadbeat has never set foot in your house and maybe hates your guts. But that's it, otherwise you'll never get called, unless you work for the deadbeat's boss or you are his boss. Or you live in the same building or on the same street as the deadbeat. Or your name is almost but not quite the same as the deadbeat's, or your SSN is one digit different, or you just happen to have the phone number the deadbeat abandoned eight years ago, or your number is in the same exchange and we feel lucky. When you tell us we have it all wrong, we'll keep calling until we get the answer we like.

Other than that, if you're paid up we shut up. Unless of course the debt is wrongfully inflated, too aged for legal action, or was discharged in bankruptcy. Then we'll call you all week, every week, but otherwise we won't bother you, unless the debt was never owed or it died with another person or it was extinguished by Statute of Repose. Then we melt your phone with constant calls. Beyond that, you should never hear from us, unless you'd already paid whatever bill it was a long time ago. Then you should pay it again to us.

Be nice to us when we call for the eighty-eighth time. It's for your own good. IF (shockingly) you happen to become a victim of our bullying and/or we prevent you from holding us to our obligations to state and federal regulators, well, that's just too bad. You hit us back first. Remember, we're really shocked here. We're just like you, denying anger management issues and trying to make a dishonest living. If you would only lay down and take it when we abuse you, we could get along much more amicably. Perhaps if you make attempts to resolve your disputes with us on a paper trail instead of the phone, I am sure your experience would be less stressful and more productive.  

The pattern here is that people who bash the alleged debtors are usually the ones who will either never pay. Wow, that wasn't even a sentence. Let's try again. I mean to say that we debt collectors often have terrible debt of our own. Many of my peers are felons, drug abusers, and sex offenders. We think life is cheap and disposable, so if we ruin yours it makes no mind to us. Sure, we can get sued and fined for that, but until we are jailed for abusing you we'll go right back to work each day. That's why it's much easier to attack the consumer and divert attention from the real issues than to buck up and do the responsible thing and just obey the law. This is sad. It's also shocking. I'm too shocked to tell you how fully sad this is, and I still have a case of the giggles from ten minutes ago. I'll sort this out when I come back from my bong break out by the dumpsters.

Dear Mr. Bill Collector,
I just received my 1st call from you. I mean voice mail. I doubt I'll ever hear from you any other way. I try not to waste my time talking to uneducated nerds that have no idea what a hard days work really is. I'm typing this because I am very bored and I must admit, very amused at the message you left. What a joke! You might should think about getting a real job. I can't imagine anyone, any idiot giving your weak [***] any money. Valid debt or no valid debt. The biggest problem you have (besides yourself lol) in my case is the dopes you are trying to collect for. I swear I did not ask for the loan. This hard up institution approached me and my 4 3 credit score and offered the loan. I thought it was a joke. And it was. It turns out the joke is on them. And now you! You guys are made for each other. A match made in heaven. 1st of all, what solid business in their right mind would loan a wore out old man with a 4 3 credit score I fairly large chunk of change? 2nd, what type of bill collector would waste their time trying to collect money from a wore out old man with a 4 3 credit score? Don't answer. We all know what it is. Any hoot, here's the real deal: the dumb [***] institution will get their cash back when I get my taxes back. Maybe... You might have screwed it up for them with your immature voice mail. If I don't pay what are they going to do? Ruin my credit? Lol. And you Mr. Bill Collector will never ever see 1 cent of my hard earned $  You will see no commission from my case. You should think about taking up a different profession. Or at least try and work cases you have somewhat of chance of collecting on. If I were you I'd go with the 1st choice. Get a job. A real job. Stop embarrassing yourself. You're not at all good at what you are trying to do. Move on Jack [***]!