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Debt Collector Asks Woman How Her Dead Daughters Must Feel Knowing She’s Not Paying Her Student Loan

In a case against Premiere Credit of North America by Holly Owens, she alleges that she was abused by a debt collector and in an attempt to collect a debt.

If what is alleged in the complaint is true, the debt collector stepped waaaaay over the line.

Here is what the complaint says. I’ve bolded the most disturbing part for you to find.

From the Complaint

  • Some time in or around August of 2009 Defendant Tim Todd, while employed as a collector by Defendant Premiere Credit, began contacting Plaintiff Holly Owens to demand payment of an alleged debt owed to the Oklahoma Student Loan Authority.
  • Owens asked Todd to stop contacting her by phone, but Todd continued doing so over the next few weeks.
  • On or about August 20, 2009, Defendant Tim Todd, while employed as a collector by Defendant Premiere Credit, called Owens’s home and spoke with her thirteen-year-old son, D.O. Todd told D.O. that Owens was not paying her bills and that if D.O. did not give Todd her cell phone number, the Owenses would lose their home. D.O. gave Todd Plaintiff’s cell phone number, and Todd began calling Plaintiff on both her cell phone and home phone.
  • On or about August 25, 2009, Defendant Tim Todd, while employed as a collector by Defendant Premiere Credit, contacted Julie Owens, Plaintiff’s mother-in-law, and represented to her that he was a potential employer for a job Plaintiff had applied for and that he was calling for a job reference. Todd asked Julie questions about Plaintiff’s work skills. Todd then asked Julie why Plaintiff was having financial difficulties. Todd asked Julie how long Plaintiff had been working at her place of employment, and he asked where Plaintiff worked.
  • On or about August 26, 2009, Defendant Tim Todd, while employed as a collector by Defendant Premiere Credit, contacted Plaintiff by phone. Plaintiff asked him how he obtained her in-laws’ phone number, and Todd replied that it was on her loan application. Plaintiff explained that it could not have been since she did not know her in-laws at the time she applied for the loan. Todd laughed and admitted to being caught in a lie.
  • On or about August 27, 2009, Defendant Tim Todd, while employed as a collector by Defendant Premiere Credit, again contacted Plaintiff’s in-laws requesting more information.
  • On or about September 1, 2009, Defendant Tim Todd, while employed as a collector by Defendant Premiere Credit, contacted Plaintiff’s mother, Victoria Mclain, and represented that he was a potential employer calling for a reference on a job Plaintiff had applied for. Todd asked Mclain where Plaintiff worked and how long she had worked there. Mclain provided this information to Todd.
  • Todd asked Mclain what kind of financial difficulties Plaintiff was in. Mclain toldTodd Plaintiff had many medical bills and other debts due to the deaths of two of her infant children and the premature birth and lengthy hospitalization of a third. Todd asked for the details surrounding the deaths and premature birth, still representing that he was calling for a job reference.
  • The next day, on or around September 2, 2009, Defendant Tim Todd, while employed as a collector by Defendant Premiere Credit, contacted Plaintiff’s employer, and asked to speak to Plaintiff regarding the importance of paying the alleged debt. Plaintiff’s employer informed Plaintiff of this contact the same day.
  • Todd began leaving messages on Plaintiff’s office phone and work cell phone threatening to expose Plaintiff as a thief to her supervisor and coworkers. Plaintiff was forced to explain to her supervisor who Todd was and why Plaintiff was in financial difficulty.
  • On or about September 15, 2009, Defendant Tim Todd, while employed as a collector by Defendant Premiere Credit, contacted Plaintiff by phone again to demand payment on the alleged debt. During this conversation, Todd asked Plaintiff how her dead daughters must feel knowing their mother is not meeting her obligations. He asked her if she thought they were proud of her in Heaven knowing she was stealing from people who had loaned her money. Todd’s callous mention of Plaintiff’s deceased daughters caused Plaintiff to cry, and Todd replied, “Save your tears for someone else, sweetheart. They won’t pay your bills with me.” Plaintiff told him to never call her again, and she hung up the phone. She stopped taking phone calls from him and disconnected her home phone. – Source
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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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