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.
This company is total bogus. They call me asking for someone who doesn't even live at my residence. Then, when I tell them to not call me anymore, they refuse to comply, even though this is against the law after you tell them not to call you anymore.
must be looking for our son...do not know where he is doesnt live here same man calls julious i think and I tell hm each time to stop. We are in out 80s and not in good health will call lawyer soon..
Isn't there a telephone filtering device, so I can tell my phone not to bother ringing when I get such calls.
I have absolutely no connection with this company and I have no unpaid debts but they will not stop calling.
I can report harassment to the FCC Commissioner and maybe to my Congressman but the only other defense I have is to call them over and over again. I use my "redial" function and dial them over and over until I get tired of it. Maybe I'll be enough of a nuisance to THEM that they'll decide to stop.
This company has called me for 10 years, asking for a person I am not related to and do not know, just because the last name and first initial match. For ten years they have said they would remove my number. For ten years they have been rude, calling me a liar, etc. The last time I called them back, told them I was not the person they wanted, and after I said, "well, I am not this person...." the nasty woman I talked to said, "Oh, yeah, tell me all your problems, deadbeat." The only problem I had with them is that they would not update their records. These people are miserable, slimy people who cannot get real jobs. I know people who work collections for the IRS, & they would get fired if they ever acted like that, even though the debts they are trying to collect are bona fide and are a result of stealing from the citizens of the US. All I can assume is, they do give you a test to prove your are not an idiot before you can work for the government, while this company seems to enjoy having idiots work for them.
Please see my reply to 'Bob' above. By the way, I located a good phone number for the actual debtor with a ten minute Google search. Once again: idiots! This company is calling on debts on which the statute of limitations has run out. They are adding usurious interest, fees and penalties that exceed the amount borrowed plus legitimate interest. They are hoping, and sometimes succeed, in getting people to pay huge amounts of money that they do not owe. They have lost lawsuits for using illegal procedures. If the employees who work for them continue to do so, they are the ones who will have to answer to the guy upstairs.