They do collect debts, that is true. "They are not real lawyers." is not. Kevin Landberg sues on bad debt. I didn't think they would but i was served and they garnished my wages. I live in Minnesota. I got off lucky it could have been much worse it was a small bill. Had it been a big one, this could have ruined my life. Be careful, just because they haven't sued you yet doesn't mean they wont. I wish i hadn't blown them off I can tell you.
I had received a message form x223 a month ago. I found out I was being sued...I was upset at first til the lady was very courtous with me but told me I need to pay my bill. Long story short this lady not only helped me with my bill in a professional manner. She gave me very good advise on dealing with my other debts that I was not being sued for. I have talked to alot of bill collectors and all were rude, unprofessional, and not willing to compromise. But x223 which is now x205 I wish she had all my other bills there. I rather deal with her at the Law office of Joe pezcto than any other collector.
If you owe a bill I dont think bill collectors are being rude. I think because you owe a bill that you have problems on paying. Any mention of it can come accross to our listening ears as rude. I say give them the benefit of the doubt. It cant be an easy job to do and there would not be a collection department or business if we did not over extend ourselves in debt and just buy the necessities or only purchase on credit cards what we know we can afford to pay off in 60 days. That is what I do.
There can be many reasons why people fall behind on debt. This particular agency isn't just rude, they will do whatever it takes, no holds barred, to get their money. I had a valid payment plan with them and they arbitrarily decided it wasn't getting paid off fast enough, in spite of the fact that we had an agreement and I paid a big chunk of it off at the beginning. My mistake was in saying I would try to pay it off more quickly IF I COULD. They actually told me to fax a copy of my tax returns to them. No way! Unfortunately, because I'm just sick and tired of the harassment, I'm paying off more than I can afford over the next two months. I only hope it doesn't put me right back where I started.
This company is nothing but nasty. Even when you are trying to work with them. They make you feel worthless. They always want more money and want to know when you can pay that more money. They make sure you know they do not have to work with you. They asked me about my tax returns also and claim they will work to the fullest extent of the law. It is a mess. I have never felt so degraded in my life. I hate when I have to talk with them. They took double payments once from me and made me feel like the bad guy when I asked for it to be returned. Many people in America are on a budget. If I had lots of money I would not be dealing with them at this point.