moxi_crimefighter Posted November 21, 2007 Share Posted November 21, 2007 so i just had this collections agent call me at works (i dont know how i got my work #) and he was telling me that if i make a payment right now this will all go away or if i make arragments to pay the he wont call so much.... i told him that im in the process of paying for my car and that i dont make much money that this is going to have to wait a minute and i said i would call him after thanksgiving to see what i could do to pay (i might just have to hook it to pay him!!!) so after i said i would call him back he said not good enought and asked me "how stupid could i be to have bill i could pay for"!!!!!! was so shocked at that statment...then he ask me again are you stupid cause i think you are you must be!!! after hearing that i hung up!!!! how do i go about felling better??? i feel so bad!!!!! Link to comment
insofar Posted November 21, 2007 Share Posted November 21, 2007 Well, first of all, it looks like the agent crossed the line. Take a look at link removed, a piece of federal legislation in the United States that protects your rights against abusive debt collectors. California may have additional state legislature; I'm not too familiar with it but here's link removed that details those rights as well. I know what it's like to be in bad debt. Have you considered talking to a debt management agency? It will probably hurt your credit to do so in the short run, but in the long run it would probably let you build it back up much quicker. There are non-profit agencies out there that will help you manage your debt for cheap or free. Link to comment
Iconate Posted November 21, 2007 Share Posted November 21, 2007 Why are you letting him win? If that *** is having a bad day don't let him ruin yours. Ya, being called names SUCKS (i know). It may make your day crappy, but guess what, tomorrow is a new day. And its not to far away Keep looking at the horizon. Your smart enough to own a car, have a job, right? I know many people who aren't even smart enough to know how to post on a forum like this! lol. But it doesn't make them "stupid"....name calling is a way for people to get under your skin...don't let him do it! Chin up Link to comment
TheSmilingTurnip Posted November 21, 2007 Share Posted November 21, 2007 What a creep. The way he is talking to you is illegal. Next time someone like that calls, ask them to send you a bill in the mail and then quote the law that they are violating. Link to comment
shes2smart Posted November 21, 2007 Share Posted November 21, 2007 insofar beat me to it, but here's another link along the same lines from the LA county department of consumer affairs: link removed Can they contact my employer or other people I know? They can only contact them to find out where you live and where you work. They cannot discuss the debt with them. They cannot call you at work if you have told them that your employer does not allow such calls. I'd call back (either from home or on a work break) and speak to a supervisor about the unprofessional, abusive behavior (calling you "stupid") and tell them they cannot call you at work. Link to comment
Tethys Posted November 21, 2007 Share Posted November 21, 2007 Back in the day I had some problems when I got laid off and had all sorts of collection agencies calling me. (Happy to say I have excellent credit now!) But if any one of them had called me stupid? Wow, they would hear from me. What agency was it? You should write them a letter of complaint. Don't feel bad. He had no right to talk to you like that. Link to comment
moxi_crimefighter Posted November 21, 2007 Author Share Posted November 21, 2007 thanks all... yeah ima try to not let it affect me as of now but i was just SO taken back by that comment! Link to comment
moxi_crimefighter Posted November 21, 2007 Author Share Posted November 21, 2007 Back in the day I had some problems when I got laid off and had all sorts of collection agencies calling me. (Happy to say I have excellent credit now!) But if any one of them had called me stupid? Wow, they would hear from me. What agency was it? You should write them a letter of complaint. Don't feel bad. He had no right to talk to you like that. company call southwest credit solutions!!! real jerks!!! this isnt the first time they've pulled something like this..... i just didnt think i could do anything about it or change anything Link to comment
Tethys Posted November 21, 2007 Share Posted November 21, 2007 Write them a letter of complaint, call them back and complain. Don't let that jerk get away with that. Link to comment
moxi_crimefighter Posted November 21, 2007 Author Share Posted November 21, 2007 im sure feeling a lot better and i just call the manager and left a message to call me back! Link to comment
Tethys Posted November 21, 2007 Share Posted November 21, 2007 im sure feeling a lot better and i just call the manager and left a message to call me back! Yay! Good for you! Link to comment
moxi_crimefighter Posted November 21, 2007 Author Share Posted November 21, 2007 Yay! Good for you! thanks so much Link to comment
moxi_crimefighter Posted November 21, 2007 Author Share Posted November 21, 2007 my day just got a whole lot worse!!!!!! my car wouldnt start and i was late for work comeing back frome my lunch!!! im just REALLY at me breaking point!!!!!!! Link to comment
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