Comments on: Collections Agencies and Creditors: You Have Rights! http://www.moneycrashers.com/collections-agencies-and-creditors-you-have-rights/ Personal Finance Blog, Your Guide to Financial Fitness Thu, 09 Feb 2012 20:13:00 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Erik Folgatehttp://www.moneycrashers.com/collections-agencies-and-creditors-you-have-rights/#comment-18313 Erik Folgate Mon, 06 Dec 2010 03:53:26 +0000 http://moneycrashers.com/?p=149#comment-18313 Yeah, unfortunately this stuff happens all the time. Collections agents are very emotional abusive, and they'll say anything to get someone to pay right away. It's always important to remember that you must pay for your priorities first, and old debts second. You must put food on the table and lights on first, then pay debt. Yeah, unfortunately this stuff happens all the time. Collections agents are very emotional abusive, and they’ll say anything to get someone to pay right away.

It’s always important to remember that you must pay for your priorities first, and old debts second. You must put food on the table and lights on first, then pay debt.

]]> By: Suehttp://www.moneycrashers.com/collections-agencies-and-creditors-you-have-rights/#comment-18235 Sue Sun, 05 Dec 2010 05:06:14 +0000 http://moneycrashers.com/?p=149#comment-18235 This is interesting. Wish I knew more of this 5 years ago. I missed a payment on our mobile home the month after my Mother passed away. I was very busy as well as emotional and simply missed it. After the 3rd week I started getting phone calls. I told them my situation and would check my files and my bank account to confirm what they were telling me. Sure enough I had missed it. So I mailed it. For the next 5 days I got numerous phone calls. They were evil. They demanded payment by phone and stated they would rip up my check if it arrived in the mail. I was told they were calling the entire debt on the home due now. I was called a horrible mother, and even threatened that they would take legal action. I refused to make the payment by phone because they were calling me and I had not even gotten a late notice in the mail. I recorded every persons name , date and time they called and notes on what was said. Finally the last person who called I stated that I would be recording the conversation....he hung up. The next day after that there was a torn paper at my door with the name and number to call someone regarding this debt. Mind you I was not even 30 days past due. My husband then got involved and was told they had not gotten the check. He payed by phone. The very next day not only did that phone payment clear our bank...so did the check I sent. I was furious. My husband thought since I was so upset that I was exaggerating the story. He called our account manager (second time during this) and notified them of what occurred. She stated that it was the only complaint they had gotten and it was an outside company they hired to do this. I am going to assume they have been let go! I wish I had even more information as to how to handle these types of calls. I have never had that happen before..never since. What scared me the most is that these people (3 total) were so scary over the phone, and then one was at my door when only my children were home. Thank goodness they never answered the door! I have never trusted this company since this event. This is interesting. Wish I knew more of this 5 years ago.
I missed a payment on our mobile home the month after my Mother passed away. I was very busy as well as emotional and simply missed it. After the 3rd week I started getting phone calls. I told them my situation and would check my files and my bank account to confirm what they were telling me. Sure enough I had missed it. So I mailed it. For the next 5 days I got numerous phone calls. They were evil. They demanded payment by phone and stated they would rip up my check if it arrived in the mail. I was told they were calling the entire debt on the home due now. I was called a horrible mother, and even threatened that they would take legal action. I refused to make the payment by phone because they were calling me and I had not even gotten a late notice in the mail. I recorded every persons name , date and time they called and notes on what was said. Finally the last person who called I stated that I would be recording the conversation….he hung up. The next day after that there was a torn paper at my door with the name and number to call someone regarding this debt. Mind you I was not even 30 days past due. My husband then got involved and was told they had not gotten the check. He payed by phone. The very next day not only did that phone payment clear our bank…so did the check I sent. I was furious. My husband thought since I was so upset that I was exaggerating the story. He called our account manager (second time during this) and notified them of what occurred. She stated that it was the only complaint they had gotten and it was an outside company they hired to do this. I am going to assume they have been let go! I wish I had even more information as to how to handle these types of calls. I have never had that happen before..never since. What scared me the most is that these people (3 total) were so scary over the phone, and then one was at my door when only my children were home. Thank goodness they never answered the door! I have never trusted this company since this event.

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