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Tag Archives: debt collector

Victory and Disappointment for the Debt World Today: Total Debt Falls While Harassment Complaints Rise

CNN Money’s recent article, “Debt collectors get nasty” showed some real insight into the current debt collection process in this country. They touched on information reported by the Federal Trade Commission, FTC, about the number of complaints of debt collector harassment issues on the rise. Apparently these debt collectors haven’t heard of a little thing called the “Fair Debt Collection ... Read More »

    Debt Collector Says “Kiss Daddy Good-Bye, He’s Going to Be Arrested.”

    A debt collector calls a Florida debtor and talks to his 10 year old daughter. The debt collector allegedly tells the daughter that her father is going to be arrested for his debt. The news story about this is below. [flashvideo file=/wp-content/uploads/Debt-Collector-Vid.flv /] Read More »

      Debt Collection Harassment Victim Awarded $1.5m in Punitive Damages

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      Allen Jones, a Lewisville Texas resident, owed just under $200 in debt. His debt was passed on to the collection agency Advanced Call Center Technologies, LLC. While trying to collect a payment towards his debt several employees called his phone and left multiple vulgar and offensive messages threatening him to make payments. Most of the messages were too obscene to ... Read More »

        A Day In the Life of A Debt Collector

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        An Account From a Real-Life Collector I arrive at work with a long list of people to call, knowing that if all goes well, I may call 125 people today. Today, I’ll hear stories of businesses gone sour, failed marriages and terrible illnesses. I’ll hear outright lies: “The check’s in the mail,” or “The stamp fell off.” And I’ll hear ... Read More »

          How to Make the Debt Collector Do What You Want

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          When you are in debt, sometimes you may feel that you are a “sitting duck” waiting for the debt collector to call. What you may not realize, however, is that there are laws which protect debtors from collection practices that you may find troublesome or harassing. The federal Fair Debt Collections Practices Act (hereafter referred to as “FDCPA”) and other ... Read More »

            Debt Collectors Using Facebook to Gather Debtor Addresses

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            Several debt collectors at ANZ Bank in Australia are alleged to have created a fake Facebook accounts to friend people that were in collection in an attempt to gather addresses, phone numbers and emails of people in collections. If it is happening in Australia there is no reason why we should not expect it to be happening in the U.S. ... Read More »

              I Lost My Job And Then Found Out I Was Pregnant. – Amanda

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              “Dear Steve, In August ’08 I lost my job and a month later found out I was pregnant. I was in search of a job immediately after losing my job but still used my card for a few things. I have a $9400 american express deb from over the years. That was one card that overwhelmed me due to affording ... Read More »

                I am a Debt Collector and Now I’m in Big Trouble With Debt Myself. – Brent

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                “Dear Steve, I 42 years old, my wife and I have been married 11 years and have two boys ages 9 an 5. I have had a good career in the collections business over the years, so finding myself in this situation is extremely difficult. Not only are we in debt, but it seems the bottom has fallen out and ... Read More »

                  Is There Anything I Can Do to Get the Bill Collectors Off My Back for a Few Months? – Nadia

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                  Nadia “Dear Steve, I am 24, I moved to Oklahoma in December of 08, it took me a while to find a good job. I have been working steadily now for about 4 months and trying to get back on track. I planned on going to school and therefore being able to get in-school deferment on my student loans, but ... Read More »

                    Deborah Wants to Write Letters to Creditors. But is That a Waste of Time?

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                    Deborah “Dear Steve, I have over $30,000 of debt. Most of this is credit card debt but almost as much is medical (doctors, emergency room, ambulance, nursing home, etc.) I thankfully had insurance that paid 80% of those bills. I am disabled now. I have just recently begun getting a disability check ($677.00/month) I have no job, no savings, no ... Read More »

                      Can I Just Tell The Debt Collector That I’m Going to File Bankruptcy to Stop Calls? – Stephaine

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                      Stephanie “Dear Steve, I have debts and get calls all day long, but I’m to far behind to pay any of them. I just started back working part-time recently and I’m already about to have a pre confrence with another debt collector,but I know it will be more summons to come from others. Can I tell debt collectors that i’m ... Read More »

                        Denise Can’t Find CACH, LLC And It is Holding Up Refinancing Her Home

                        Denise “Dear Steve, I have judgment against me placed a company called CACH LLC. I cannot contact them or the attorney that placed the judgment. In midst of refinancing home to pay off judgment. Lawyer says I need a pay off amount. How can I get a pay off amount if I can’t get a hold of them? What if ... Read More »

                          How Do Bill Collectors Get Cell Phone Numbers?

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                          I am often asked how debt collectors get a hold of your cell phone or mobile phone number when you have not given it to them. It is actually very easy to do and best yet, you give it to them. Never call a debt collector on a toll-free number or a direct number if you don’t want them to ... Read More »

                            I Got a Call From Hoffman Schwartz & Associates Saying I Owe a Debt. – SAG

                            “Dear Steve, I got a call today on my cell phone from phone #404-893-4113 with the message”This is so and so with Hoffman (?) and (?). I am calling in regards to a compliant from Bank of America regarding check fraud. Please call me or have your legal representation contact me within 24 hours or I will have to file ... Read More »

                              Where Are The “Eager to Help” Creditors? – Steve

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                              “Dear Steve, I am nearly reached the end of long journey journey to enter a heathcare profession. Credit, damaged during the lean years of graduate school, was most rehabilitated. But then I had a job change (with pay cut) and adding insult to injury, I have stumbled at the last professional qualfying hurdle – the licensing exam. Once that is ... Read More »

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