DEBT COLLECTORS Your guide to dealing with unscrupulous debt collectors
Notice: What we hope to attain here is teaching
you that you do not have to be intimidated by debt collectors. This
page is not for everyone and should not influence your opinion if
your experiences have been positive. This page is for those specifically
being harassed by debt collectors beyond the scope of the law. You
have a right to be treated with dignity and not be harassed for
a debt.
If your experience with a debt
collector has been a positive one, good for you-- you are one
of the lucky ones. For the majority, their experiences have led
them here seeking hope and a way out of the harassment. Yes,
if you owe a debt, they have the right to collect that debt but
at what cost? Many consumers' have suffered health and emotional
problems after dealing with the likes of some debt collectors who
find shear pleasure in the chase of collecting a debt. In my years
of being a debt collector, I was constantly amazed how some of my
co-workers treated people. Telling people such things like "You
know you incurred this debt with the intent to commit fraud right?
Because your not paying it!" In reality, that had nothing to
do with why the debt went unpaid. Their job was to collect not counsel
a person.
It was not until I transferred over into the credit
union field that I began to see real respect for the debtor. I was
fortunate enough to work with very caring professionals who looked
at everyone as a member, not a debtor. Before I got into the credit
union field, I worked and trained at numerous collection
agencies, attended the seminars and meetings and do you know
what the topic always was? What method a collector used to trick
a person into paying or what illegal act they committed just to
find the person! The collectors' would stand in the hallway
of the seminar and trade stories back and forth about how they took
a persons phone number home with them and continually called the
debtor through the night! I was disgusted and felt guilty for being
a part of it.
Now, lets make one thing clear. This was not internal
debt collectors at banks or loan companies but third party debt
collectors working for collection agencies. It's their job to get
results and it's a tough job. A collector at a bank or loan company
works for salary and does not live on commission. Their job descriptions
are broad and involve customer service. A debt collector at a collection
agency is hired for that specific job. Their pay is based on quota
and they make commission for what they collect. If you don't hit
your commissions then you are not affective. My experiences were
not limited. I faced this at every single collection agency I worked
for or consulted at. That is when I began to see a real problem.
To this date, I deal with collectors on a regular basis and even
I still face those who are unwilling to listen and have stereotyped
every person as a debtor.
The remainder of this article plus
many more credit repair and debt collection defense articles along with the
credit repair debt collection success strategies ebook, sample letters (over
40!) are for Members only but it's only a one time fee of $49.95 to gain access
to all of that! Membership is lifetime too! Purchase the credit and collections
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"I cannot
believe the amount of information I received for a one time fee. I was searching
all over the Internet and thank goodness I found you before I paid anyone else!
I am so glad I found your site and you are angels to offer all that you do.
Thanks again and again!" Debbie R.
It never occurred
to me until I read your articles that you could sue the collection agency and/or
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only thing stopping anyone from repairing their own credit by civil suit is
fear of the unknown." Mark via email.
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ever want to lose this website. It is the most wonderful, helpful site for us
debtors. Thank you so much. I must say your site is
the GREATEST, DON'T EVER GO AWAY. You have helped so many people
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give, I never knew. I have had to use it to help myself and my niece. We had
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H.
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Thank you ever so much, and GOD Bless You All." Dusty P.
" Thank
you! Your site has proved most helpful over the past few years - I don't know
what I would have done without the knowledge I've gained from you." Susan
M. via email.
"I am not
done, but just wanted to let yall know of success I have had with this ebook.
I have gotten rid of over $5000.00 in debt and have raised my credit score by
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via Member forum.
Do you need to settle your debts? Consider debt negotiations
either by a pro or DIY.
Too much monthly debt?Credit
counseling can reorganize your debt, get you out of collections and give
you one affordable monthly payment through counseling or consolidation.
Want to cut your credit card interest rate?Compare
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