Really your complaining about a debt collection agency? Big deal lady! Who's fault is it that your in debt? It's not the Law firms fault, It is Your fault. People don't seem to get it, the less debt there is the better America will be. So don't go complaining about how high taxes are or anything like that because you are part of the reason for the taxes being what they are. The best thing you can do is answer that phone, talk to them in a calm orderly fashion, work out a settlement, and pay your damn bill. The collectors are everyday people, so don't call them yelling at them about your problems. They are actually trying to help You, If you tell them to stop calling your family they will as long as your calm about it, but debt collectors have the right to contact your immediate family (in most states). The FDCPA states that they can call you up to 4 times a day 2 in the AM and 2 in the PM. The law works for the collection agencies, so don't try to sue them. The law allows them to make "bona fide" errors, which means they can break the law and get away with it. People may think that debt collectors are the ### of the earth but in reality its the debtors who are the parasitic ### of the earth. Pay your damn bills.
Hmmm I can't believe You are complaining about bills YOU racked up. If you just answer the phone and talk to these people in a calm, collected, professional, manor and show them some respect you will get the same in return. Not answering and dodging their calls will only piss them off more, They have the right to call you up to 4 time a day. If you show them respect and give them Full and Complete (F&C) Information about your situation they will settle your account out for a minuscule amount. Most collectors are allowed to go down to 45% some 30% and if your really in a horrible situation then 26% if you talk to a manager or senior rep. You NEVER want to ask for VOD (validation of debt) this will cause the account to go on hold for 30-90 days while they do an asset and liability investigation to prove this is your debt and when they prove it is your debt they WILL NOT settle the account YOU WILL PAY BALANCE IN FULL. If your want another letter ask for a balance review letter. The best thing you can do is pay the balance in full (BIF) they can even take off the interest and it will still be BIF, this looks great on your credit report but if you cant do BIF then settle the account in full (SIF) a SIF will be a percentage of the placement amount and no interest. The last best option you have is get on a "Hardship payment plan" this can be anywhere from $75 - $175+. This will build a good payment history on the account and get you a lower settlement when you can settle it. If you want a better shot at getting a lower settlement pay it all in the first month you are contacted and set up Post Dated Checks "PDC" PDC is a free service and is the BEST way for YOU to have documents of paying on the account. The company sends a paper draft of the check to your bank on the date you want it paid (monday-friday). The company has no electronic access to your bank account in this case. Plus this leaves a LARGE paper trail so they can NEVER say you didn't pay on the account. Then when you receive your letter saying the account has been "Paid in full" or "settled in full" MAKE COPIES AND FILE THEM AWAY IN SAFE PLACES even safety deposit boxes if need be. The things I have to stress the most are: ANSWER THE PHONE, BE RESPECTFUL, DONT ASK FOR VOD, DO YOUR BEST TO PAY THAT DAY, SET UP PDC, AND SAVE YOUR SIF/PIF LETTER.
Hmmm I can't believe You are complaining about bills YOU racked up. If you just answer the phone and talk to these people in a calm, collected, professional, manor and show them some respect you will get the same in return. Not answering and dodging their calls will only piss them off more, They have the right to call you up to 4 time a day. If you show them respect and give them Full and Complete (F&C) Information about your situation they will settle your account out for a minuscule amount. Most collectors are allowed to go down to 45% some 30% and if your really in a horrible situation then 26% if you talk to a manager or senior rep. You NEVER want to ask for VOD (validation of debt) this will cause the account to go on hold for 30-90 days while they do an asset and liability investigation to prove this is your debt and when they prove it is your debt they WILL NOT settle the account YOU WILL PAY BALANCE IN FULL. If your want another letter ask for a balance review letter. The best thing you can do is pay the balance in full (BIF) they can even take off the interest and it will still be BIF, this looks great on your credit report but if you cant do BIF then settle the account in full (SIF) a SIF will be a percentage of the placement amount and no interest. The last best option you have is get on a "Hardship payment plan" this can be anywhere from $75 - $175+. This will build a good payment history on the account and get you a lower settlement when you can settle it. If you want a better shot at getting a lower settlement pay it all in the first month you are contacted and set up Post Dated Checks "PDC" PDC is a free service and is the BEST way for YOU to have documents of paying on the account. The company sends a paper draft of the check to your bank on the date you want it paid (monday-friday). The company has no electronic access to your bank account in this case. Plus this leaves a LARGE paper trail so they can NEVER say you didn't pay on the account. Then when you receive your letter saying the account has been "Paid in full" or "settled in full" MAKE COPIES AND FILE THEM AWAY IN SAFE PLACES even safety deposit boxes if need be. The things I have to stress the most are: ANSWER THE PHONE, BE RESPECTFUL, DONT ASK FOR VOD, DO YOUR BEST TO PAY THAT DAY, SET UP PDC, AND SAVE YOUR SIF/PIF LETTER. P.S. don't hate the collector hate the company, the collector is just doing their job to PAY THEIR BILLS. You may think collectors are the ### of the earth but honestly people in debt are the parasitic ### of the earth. They are the reason for high taxes and a wild deficit.
Hmmm I can't believe You are complaining about bills YOU racked up. If you just answer the phone and talk to these people in a calm, collected, professional, manor and show them some respect you will get the same in return. Not answering and dodging their calls will only piss them off more, They have the right to call you up to 4 time a day. If you show them respect and give them Full and Complete (F&C) Information about your situation they will settle your account out for a minuscule amount. Most collectors are allowed to go down to 45% some 30% and if your really in a horrible situation then 26% if you talk to a manager or senior rep. You NEVER want to ask for VOD (validation of debt) this will cause the account to go on hold for 30-90 days while they do an asset and liability investigation to prove this is your debt and when they prove it is your debt they WILL NOT settle the account YOU WILL PAY BALANCE IN FULL. If your want another letter ask for a balance review letter. The best thing you can do is pay the balance in full (BIF) they can even take off the interest and it will still be BIF, this looks great on your credit report but if you cant do BIF then settle the account in full (SIF) a SIF will be a percentage of the placement amount and no interest. The last best option you have is get on a "Hardship payment plan" this can be anywhere from $75 - $175+. This will build a good payment history on the account and get you a lower settlement when you can settle it. If you want a better shot at getting a lower settlement pay it all in the first month you are contacted and set up Post Dated Checks "PDC" PDC is a free service and is the BEST way for YOU to have documents of paying on the account. The company sends a paper draft of the check to your bank on the date you want it paid (monday-friday). The company has no electronic access to your bank account in this case. Plus this leaves a LARGE paper trail so they can NEVER say you didn't pay on the account. Then when you receive your letter saying the account has been "Paid in full" or "settled in full" MAKE COPIES AND FILE THEM AWAY IN SAFE PLACES even safety deposit boxes if need be. The things I have to stress the most are: ANSWER THE PHONE, BE RESPECTFUL, DONT ASK FOR VOD, DO YOUR BEST TO PAY THAT DAY, SET UP PDC, AND SAVE YOUR SIF/PIF LETTER.
Wow. I think your lying.
Hmmm I can't believe You are complaining about bills YOU racked up. If you just answer the phone and talk to these people in a calm, collected, professional, manor and show them some respect you will get the same in return. Not answering and dodging their calls will only piss them off more, They have the right to call you up to 4 time a day. If you show them respect and give them Full and Complete (F&C) Information about your situation they will settle your account out for a minuscule amount. Most collectors are allowed to go down to 45% some 30% and if your really in a horrible situation then 26% if you talk to a manager or senior rep. You NEVER want to ask for VOD (validation of debt) this will cause the account to go on hold for 30-90 days while they do an asset and liability investigation to prove this is your debt and when they prove it is your debt they WILL NOT settle the account YOU WILL PAY BALANCE IN FULL. If your want another letter ask for a balance review letter. The best thing you can do is pay the balance in full (BIF) they can even take off the interest and it will still be BIF, this looks great on your credit report but if you cant do BIF then settle the account in full (SIF) a SIF will be a percentage of the placement amount and no interest. The last best option you have is get on a "Hardship payment plan" this can be anywhere from $75 - $175+. This will build a good payment history on the account and get you a lower settlement when you can settle it. If you want a better shot at getting a lower settlement pay it all in the first month you are contacted and set up Post Dated Checks "PDC" PDC is a free service and is the BEST way for YOU to have documents of paying on the account. The company sends a paper draft of the check to your bank on the date you want it paid (monday-friday). The company has no electronic access to your bank account in this case. Plus this leaves a LARGE paper trail so they can NEVER say you didn't pay on the account. Then when you receive your letter saying the account has been "Paid in full" or "settled in full" MAKE COPIES AND FILE THEM AWAY IN SAFE PLACES even safety deposit boxes if need be. The things I have to stress the most are: ANSWER THE PHONE, BE RESPECTFUL, DONT ASK FOR VOD, DO YOUR BEST TO PAY THAT DAY, SET UP PDC, AND SAVE YOUR SIF/PIF LETTER.
