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Part 13 – Scumbag Debt Collectors

September 20, 2010 By Christine View Comments

How to build a case against a debt collector

Record Phone conversations with debt collectors. If they say they are recording the call, you can just say “Yeah, me too” and that constitutes notice that you are recording the call. Use Call Graph to record Skype calls, save files as MP3. Use Skype when you call a debt collector to avoid giving them your phone number

Photograph the caller ID and keep records on when the agency calls you

Tell the collection agency you are recording the calls and ask them to stop calling

If it’s not your debt, call the company’s corporate headquarters and complain directly – I’ve had collectors remove me from a database for calling and letting them know

Sometimes, you have to play a game to get what you want from a debt collector. Once, when I pointed out the SOL had expired and they were breaking the law, the debt collector said,
“well, some people honor their moral obligations to pay their debt regardless of the SOL” this is bullshit, but don’t argue with the collector if he’s going to take you out of his database.

Get any agreements with a debt collector in WRITING by certified mail. Make sure there are provisions in any written agreement about how they will handle credit reporting, and allows you to sue them for non-performance under this contract. Don’t agree to binding arbitration – make sure you can get a jury trial if you later want to sue them for non-performance. Jury trials means a jury of your peers will decide the outcome of your case, and my money is on the jury hating debt collectors as much as you do. (Note, this isn’t intended to be legal advice; just my personal opinion.)

Don’t EVER give a debt collector your bank account number, debit card number, or post-dated checks. Don’t trust these people any farther than you can throw them. They will lie and possibly empty out your bank accounts. Be smart about this one! Debt collectors will screw you faster than you realize, and you’re going to have to go through all kinds of hell to get back the money they steal from you. Don’t let this happen to you!

DISCLAIMER:

****CHRISTINE SPRINGER IS NOT A LICENSED ATTORNEY OR FINANCIAL ADVISOR. THIS BLOG IS COMPRISED OF HER OPINIONS, OBSERVATIONS AND INTERPRETATIONS AND IS NOT INTENDED TO BE CONSTRUED AS LEGAL ADVICE. PLEASE CONSULT WITH AN ATTORNEY BEFORE RELYING ON OR TAKING ANY ACTION BASED ON THE INFORMATION IN THIS BLOG.****

Filed Under: Collection Harassment Tagged With: dealing with debt collectors; FDCPA dispute letter; scumbag debt collectors

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    The first step needed to overcome a bad credit is to snatch a copy and take a look into your own credit report because incorrect information on your credit report will only make matters worse if you already have a bad credit rating.
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  • http://www.privateinvestigation.ch/ Privatdetektiv

    A really nice strategy to fight against the debt collector, many people avoids this but you have done it, You are truly a brave person.

  • http://www.privateinvestigation.ch/ Privatdetektiv

    A really nice strategy to fight against the debt collector, many people avoids this but you have done it, You are truly a brave person.

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