People like supercollector up there have NO CLUE how to handle people. Your interpersonal skills, sir, are pathetic. If you don't treat others with respect, how can you expect them to treat you with respect?
One debt collector, when I answered the phone, accused me of going by an alias -- when it's the name I've gone by since I was in junior high school -- which is LONG before I ever had credit. These people are just plain [***] for the most part -- and I refuse to work with people like that. Send me rare polite debt collector and I'll do my best to work with them and get things paid off. Ever heard of the expression you get more flies with honey than vinegar? Learn it, Know it, Live it!
You don't know people's situations. My own situation... my car broke down. My parents talked me into getting a new car that I really could just barely afford (I DID pay the car off), but while paying on it, I lost my job -- completely OUT of my control, layed off. I scrimped and all my credit card debt piled up. See, I already had credit card debt from college. These companies (which are the biggest money makers in the world, despite their pleas for help -- when others need help much more) prey on the young and unknowing, tricking them into thinking they need a credit card, tricking them into thinking they'll make good money when they get out of college, despite the fact not everyone does. Our society is way too materialistic for most people to responsibly handle credit cards. This is why we are a nation FILLED with debt. The credit card companies loan money to people they shouldn't -- EVERY SINGLE DAY. They increase credit limits when they shouldn't -- EVERY SINGLE DAY. It's a risk and is very akin to gambling. Credit cards are evil, point and simple. When you build up credit card debt, you become an indentured servant, which is illegal in MOST dignified countries.
I'm sorry, but someone working part-time for $6 an hour, should NOT qualify for a credit card. When the credit card companies issue cards to those people, it's their own fault for being STUPID and making bad RISKS. Take an Economics 101 class and learn the basics that the credit card companies have not learned.
Now...as per this caller... I don't owe them money. I filed bankruptcy 3 years ago because the debt grew too large until it was more money than I make in 3 years (so, no... I didn't have the money to pay off the debt.) I never intentionally ran it up without intent to pay. But bad things happen to good people. My credit is shot. It's a hard lesson to learn. Now, I keep most of my debts up to date. I only have one past due balance and I have been paying some on that one but I'm behind right now because things have been tight. There are unexpected bills, like your cell phone gets knocked into a lake and now you have to come up with $500 to cover the deposit and the fee for the phone. So, for 3 months, I've been without a phone and can't call them (their number was on the phone) -- but it wasn't Niagara so I don't know why Niagara is calling me. I received no contact via mail from either of these companies notifying me of any change in the collection process on my one past due bill.
I don't know, but I've been getting these phone calls for them lately too. Why do they talk to me, and ask me things. It's not my debt, it's my husband. We weren't even married when this happened to him, we got married then they start calling. Will actually it's not even my husbands debt, he don't know who did it, he was OVERSEA. Now I'm trying to get his orders form proving it's not him.. But seriously, they need to give some times for us to get it, military are busy protecting their Country and keeping everyone safe.. They don't have time to just stop and grab the forms and take care of their business. Their country is now first on the line.. wtf, I'm trying my best to get the forms to you guys, stop calling and reminding me everyday. I'm just the wife, I'm not the person on the debt paper.
I think, BANKs, needs to start meeting those people who opens the credit cards. Stop accepting Credit Cards Applications through Mails or Onlines. Meet the person, see proof of Identity and Social Security Card.. this is how my husband got bad debt, somebody opened 2-4 credit cards (Applications in the Mails) under his name 2-3 months after he lifted oversea. I think it a family member in his side of the family. why, because they never gave him his SSC, they have a copy of his military ID, they know all his military INFO too.. I didn't want to get involved with this, but they did, by saying it's affecting me (the wife) since I married him, it part of me too. WTH. So I guess I'm getting bad debts, it's not even me, I opened my first credit card, I use all the money, and I pay the full amount $300 every month back.
Since they call me so much, I'm going to try to get my husband orders fax to them, and they better find out who did this to my husband.
try your best, I'll sue your Company.. guess why! Have you ever heard of Identity Theft.. mail applications is what that gets it happening in the first place. maybe your COMPANY needs to start checking for people identity very VERY carefully first.. before letting a stranger or someone opening an account under someone else name.. Oh and one more thing, check their signature, because I got a copy of the form that said my husband opened the credit card, 1) it's not his handwriting, 2) he was oversea when the credit card was being open in the USA, && 3) IT'S NOT EVEN HIS SIGNATURE or HIS NAME.. there we go.. I can sue the bank if I want now, because they didn't check that.. so if I were you, I keep my mouth ZIP, because you know nothing, but a wanna be tough person since you're working in a big company. DON'T CRY, I'm just telling the truth.
I was contacted by this number, let it go to voicemail and some guy that had no business communicating for a living told me that i was named daniel and that it was very important that i get back to him. well i figured that since im not daniel, and i really hate my phone going off, id sort this out. I call back and now they think im a "jean harris." so then, the nice lady asks me if i know jean harris, and wants all her information. which i believe is illegal. but whatevs i have no idea who that is.
sketchy folks, but after that phonecall i havent had a problem.