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Credit card collectors are NOT your friends. A collector’s occupation is not to support your overall situation. They are out to get your cash only – whatsoever it takes. Think I’m lying?
Connie Asked Me…
One day Connie in Nashville called me on the radio. She was 3 months behind on her credit card payments and being threatened by numerous collectors. They said they were going to take her house away if she didn’t compensate her debt off immediately.
Well, I’m here to tell you that these gatherers are SCUM! They lie and break federal law on a daily basis. I’ve worked in this business for 17 years, and I’ve never seen a credit card company sue an individual or garnish the wages of someone who is 3 months behind on payments. If they are going to take a lien versus your house or other action, they have to sue you first, win, and get a judgment versus you. They don’t do that to persons who are 3 months behind. It’s a total bluff by numerous moron in a cubicle 500 miles away.
What Should I Do?
Collectors use psychological warfare to get you to recompense them. They undertake to make you aroused sufficient so you compensate them before buying feed or paying the rent. Collectors are likewise very rude and abusive. Does that sound like things a friend would do? Not at all. You don’t have to take it! Here’s what you must do:
- Talk or Hang Up? Tell the gatherers that if they are more than willing to talk to you as an adult and not call you 20 times a day, you will talk. If they call to swear at you and threaten to take everything from you, you may and will hang up.
- Talk once each 2 weeks – MAX. Tell them that when they call more, you will always hang up on them. Collectors undertake to call you at breakfast or dinner time, since you tend to be more aroused then (more tired, dealing with crying kids, stressed, etc). Don’t get emotional. If you have talked to them within the last 2 weeks, tell them so and hang up.
- Collectors can’t call you at work. If they do, tell the aggregator that you are officially telling them not to call you at work. Then send the credit card company a certified letter, return receipt requested, saying that you have told them not to call you at work.
- Pay what you owe. I don’t tell humans to not compensate their debts. But accumulators go over the top and undertake to scare you into paying them before buying feed or paying the light bill. Tell them that your requisites (food, shelter, transportation, clothing) are more primary and that you will recompense them after your necessities.
- Get on a written budget with your money. Spend each dollar on paper on purpose, before the month begins. Know where your cash is going. Never give a aggregator electronic access to your checking account or send them post-dated checks. If you do, they will clean out your account because you legitimately owe them the money.
Don’t let some moron in a cubicle 500 miles away scare you into thinking they’re going to take away everything you own or filing bankruptcy. Remember, any gatherer that tells you this is SCUM!
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See all 71 client reviews…
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Blake
@euvi85 Cool!
Ida
@DeathToAllReligions Hey you…just to fill you in on a little secret. Debt Buyers, buy debt. They’re the ones who buy the debt and get you to pay them back. However, they most of the time do the same job as a Debt Collector. Debt Collectors though, are companies who’s services are hired by a creditor to collect the money that the Debtor (consumer) owes. If the debt collector cannot get the consumer to pay, then they sell it to a debt buyer. So the faster you pay your debt, you’re better off.
Elton
@IronJustice08 Yeah?? That’s funny. Cause I’m a bill collector. In order to not get into collections myself, I took what I could. On top of that, I’m going to school to be a history teacher. Stereotyping is bad. People only like to treat it bad when it’s a race that’s being stereotyped. But in all honesty, your own post showed how uneducated you are. Oh, should I have thrown in a percent to make it sound like I know what I’m talking about? How about 95% of percentages are made up facts?
Susana
@falstaffswims actually….thanks to people who don’t pay their bills, this country IS nursing us through life. Thanks to you not paying your bills, I can pay mine. And YES, I CAN help you pay pennies on the dollar to get rid of your debt. YES, I CAN help you get out of the whole your in. NO, I DON’T steal your money. Basically, I’m recovering the money you stole from someone else. I mean really, these people aren’t paying on nothing. They’re paying on money that was lent to them.
Rudolph
Owing money isn’t against the law, your right. But breaking a contract is. That’s why these people go to civil claims court if they don’t pay. If creditors aren’t guaranteed their money back, if people don’t pay their bills, interest rates will go up. It’s simple really, debt collectors remind the dumb people that a bill has to be paid. So pay your damn bill! Seriously, this guys just dumb. Debt collectors don’t buy debt on the dollar. Debt buyers do. Get your facts right before you go on a rant
Anderson
How can you tell when somebody on the tv is lying?? They’re mouths are moving. I’d trust a bill collector before somebody in the media.
Clara
If one of these assholes told her they were gonna come over and take my kid’s toys away, I would take the first plane to that collection agency, hunt that agent down, and beat his/her *** in front of everyone in that place….
Cary
wow, it would be really smart if our education system actually revolved around the monetary value. I think people would better handle their finances. Just my thought. thats all im sayin.
Benito
@euvi85
congratulations. Your parents must be so proud. lol
Ramona
I don’t see that collection agencies work. I owed close to 20 grand and they never got 1 cent out of me. I filed bankruptcy and my credit is decent now.
Evangeline
Wow! Generalization at is worst. Looks like a PR tactic successfully swaying the masses towards his narrow view. Realize marketing in America and the consuming machine we have become. Financial Guru’s bias point of view. Loss of respect for Mr. Ramsey in regards to credit card debt in America. 784 FICO
Gregg
Debt collectors are the Devil.
Tuan
most collection agents need anger management. If their day has been that bad that they need to harass then it’s time for a new job. No sweat off my back, it’s why they’re stuck in an office playing predator at 7pm & not with a significant other or family, I feel sorry for em.
Carmella
I’m a debt collector and I sleep like a baby at night. While I don’t support abusive or illegal tactics, I have no sympathy for anyone whose greed writes checks their *** can’t cash. 100 years ago you got thrown in jail for not paying your bills, so don’t boo-hoo to me over a few phone calls. Grow up, pay what you owe and quit expecting the smart and mature among us to foot the bill for your laziness.
Mandy
@lovey10405 They break the law with their abusive tactics. They think they are owed money when a person never signed a contract with them, but are simply looking to make money off of someone who dosent have any. plain and simple
Numbers
We need more guys like this speaking out against scumbags. Ttahnk s for uploading vid.
Sherwood
@KewazingaBabinga good point!
Teddy
@lovey10405 I for one have no problem ignoring your calls if I have more important things to do with what little money I have. Calling my parents house my employer and calling me 99 times a day not only annoys me its really ourright nasty! Don’t assume that because someone has debt that they are just lazy no goods. Just cant afford to pay you 700 when I got rent due.
Charley
@lovey10405 Understand that when people “run” or get “shitty” attitudes is because they have had someone come at them harshly trying to collect a debt that its obvious they cant pay at the moment. If they did then you would not be calling them. And despite what you believe some people just dont have the money. They may not have a job and what little money they may have has to go towards gas, light, water, kids, medicine if they have a health condition.
Herman
Mr. Ramsey is right. I have always used prepaid cards cuz the only person i have to pay is myself..
Nell
My question is simple: how come I don’t get to buy my own bad dept on pennies on the dollar? Spread the question!
Cecilia
In UK Debt Collection is heavily regulated in terms of Data Protection Laws and procedure. ive worked in Mortgage Reposession for 4 years ive never heard anything like this here. The idea is to come to an arrangement with the debtor and TALK about there account and what they can do, if they can pay great. If they cant then i advise them what the procedure is.
Debt collection is a form of ADMIN thats it ! So to see people use it as an ego trip is worrying !!
Luke
I own a collection agency and give away iPods and flat screen tvs for people who pay on their debts. We reward paying !!! We do not harass We are even looking to order ipads for the larger debts that pay
Lamar
0:55- The reason there is no agency out there to deal with these debt collectors from committing these acts that are against the law is because they are most likely run by agency that started this mess- the Federal Reserve.
Georgette
I pretty much have to agree with him , im a debt collector and most people in the company I work for are scum i dont know what I am doing here…hey it pays the bills I guess