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  1. #1
    Clen is for Men loik's Avatar
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    Can collection agencies actually do anything?

    I got this guy calling me now. I called him because I got a letter from him and the second he answered

    him: "Now that we have made contact you must pay in full the 1200 you owe us within the next 24 hours"

    me: wtf.. can i make payments.

    him: no..how much do u have?

    me: 700

    him: send it to me and that might buy you another day


    SOOO I didn't send ****. He called again today but i didn't answer. the only way i can pay this off is if i pay monthly. so what i'm wondering is if i can force him to go by my rules if he ever actually wants his money. he lives on the other side of the country.....
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  2. #2
    Clen is for Men loik's Avatar
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  3. #3
    Banned Metal Jerk's Avatar
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    wait till you have all of the money you owe to pay at once and I promise you they will stfu and take it.
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  4. #4
    Registered User BrainChild's Avatar
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    dont fuuck with collection agencies. they can come into your home and take up to 1200 worth of stuff
    My mom thinks i'm cool


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  5. #5
    Registered User SouthsideIrish44's Avatar
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    and i think they can majorly fcuk up your credit rating
    :)

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  6. #6
    Clen is for Men loik's Avatar
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    dude calls again but i was sleeping.

    so i called rogers and they offered me a new phone number because i wasn't at all in their system anymore, maybe a glitch? anyways, should i accept this (will be good for my credit rating)?
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  7. #7
    OG of Ugly Fat Fuks KingOfChaos's Avatar
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    Originally Posted by loik View Post
    I got this guy calling me now. I called him because I got a letter from him and the second he answered

    him: "Now that we have made contact you must pay in full the 1200 you owe us within the next 24 hours"

    me: wtf.. can i make payments.

    him: no..how much do u have?

    me: 700

    him: send it to me and that might buy you another day


    SOOO I didn't send ****. He called again today but i didn't answer. the only way i can pay this off is if i pay monthly. so what i'm wondering is if i can force him to go by my rules if he ever actually wants his money. he lives on the other side of the country.....
    That's called extortion and he can be arrested for that ****.
    Stop reading my sig phaggot.

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  8. #8
    Banned dun chavez's Avatar
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    Originally Posted by loik View Post
    I got this guy calling me now. I called him because I got a letter from him and the second he answered

    him: "Now that we have made contact you must pay in full the 1200 you owe us within the next 24 hours"

    me: wtf.. can i make payments.

    him: no..how much do u have?

    me: 700

    him: send it to me and that might buy you another day


    SOOO I didn't send ****. He called again today but i didn't answer. the only way i can pay this off is if i pay monthly. so what i'm wondering is if i can force him to go by my rules if he ever actually wants his money. he lives on the other side of the country.....

    Don't pay anything. get a credit report and it will tell you what and who you really owe. These credit guys are homos, just mess around with him (no homo) next time he calls.
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  9. #9
    MJ= Jordan, not Jackson mjfan12's Avatar
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    its all scare tactics. worst they can do is report on your credit, but if your's is already crap what do have to lose?

    most are stupid. they were calling for my grandma about some money owed from 10 years ago! I pay the cable bill under he name so they got my number and started harassing me but it wasnt my debt! stupid ****s wouldnt listen and stop calling me!

    i ignored them 500 times but they still did it for 3 months until recently i changed my damn number.

    some companies are shady and buy old debts for pennies. so say a guy owes 50, this co buys it for 5 cents and if they collect, they make a hige profit.
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  10. #10
    Clen is for Men loik's Avatar
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    Originally Posted by mjfan12 View Post
    its all scare tactics. worst they can do is report on your credit, but if your's is already crap what do have to lose?

    most are stupid. they were calling for my grandma about some money owed from 10 years ago! I pay the cable bill under he name so they got my number and started harassing me but it wasnt my debt! stupid ****s wouldnt listen and stop calling me!

    i ignored them 500 times but they still did it for 3 months until recently i changed my damn number.

    some companies are shady and buy old debts for pennies. so say a guy owes 50, this co buys it for 5 cents and if they collect, they make a hige profit.
    damnn at the last part!

    maybe this is a good business op. thanks for the info though. I will try to figure something out
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  11. #11
    Registered User touchofevil04's Avatar
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    You can get a payment plan you can work with and normally they will drop the amount you owe. If it's at a collection place then they know you can't pay the bill outright or you would have. The guy you talked to is trying to be a douche and get every penny he can from ya.
    Talk to someone else and try to set something up you can afford.
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  12. #12
    Live, Laugh, Dissect RavenStorm's Avatar
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    Originally Posted by loik View Post
    him: send it to me and that might buy you another day
    Well that was unprofessional.
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  13. #13
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    Originally Posted by BrainChild View Post
    dont fuuck with collection agencies. they can come into your home and take up to 1200 worth of stuff
    yeah brother dont mess with collection agencies...they can cum into ur house and take stuff upto 1200 worth...
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  14. #14
    Clen is for Men loik's Avatar
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    Originally Posted by RavenStorm View Post
    Well that was unprofessional.
    this guy is COMPLETELY unprofessional. serious. he was like

    "okay I'll send you the payment plan. ummm you have an email or something."

    just little things like that make me really suspicious.
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  15. #15
    Live, Laugh, Dissect RavenStorm's Avatar
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    Originally Posted by loik View Post
    this guy is COMPLETELY unprofessional. serious. he was like

    "okay I'll send you the payment plan. ummm you have an email or something."

    just little things like that make me really suspicious.
    I wouldn't send him **** if he's going to act like that.
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  16. #16
    Registered User thoughtshewas18's Avatar
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    Write a letter (must be snail mailed) to the collection agency asking for proof of the debt. They have 30 days to provide it and can not contact you during this time.

    Use that time to do some research and figure out the money situation. I've never heard of a collection agency that wouldn't accept a payment plan. Any money is better than no money.
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  17. #17
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    Originally Posted by KingOfChaos View Post
    That's called extortion and he can be arrested for that ****.

    lulz, that is not extortion, that is being a dick.

    Originally Posted by mjfan12 View Post
    its all scare tactics. worst they can do is report on your credit, but if your's is already crap what do have to lose?

    most are stupid. they were calling for my grandma about some money owed from 10 years ago! I pay the cable bill under he name so they got my number and started harassing me but it wasnt my debt! stupid ****s wouldnt listen and stop calling me!

    i ignored them 500 times but they still did it for 3 months until recently i changed my damn number.

    some companies are shady and buy old debts for pennies. so say a guy owes 50, this co buys it for 5 cents and if they collect, they make a hige profit.


    This, it's all scare tactics, some collection agencies will go to extremes like garnish wages etc., but that is for large sums of money not $1200. Find out how much you really owe and offer them about 60% of that.
    "Any society that would give up a little liberty to gain a little security will deserve neither and lose both."~Benjamin Franklin


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  18. #18
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    I owe'd some company like 480$ old phone bill crap from tmobile

    anywho after months and months almost 2 years of ignoring it they got me lol...

    they offered me to settle the debt for 160$ i accepted and paid it off. maybe offer to settle the debt whats the worse he can say ? no ?
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  19. #19
    Rockin like its my job SpikedDiesel's Avatar
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    Originally Posted by thoughtshewas18 View Post
    Write a letter (must be snail mailed) to the collection agency asking for proof of the debt. They have 30 days to provide it and can not contact you during this time.

    Use that time to do some research and figure out the money situation. I've never heard of a collection agency that wouldn't accept a payment plan. Any money is better than no money.
    Originally Posted by John-Paul View Post
    lulz, that is not extortion, that is being a dick.





    This, it's all scare tactics, some collection agencies will go to extremes like garnish wages etc., but that is for large sums of money not $1200. Find out how much you really owe and offer them about 60% of that.
    This^. Good info. Use it. But start at less than 60%, imo. Get everything in writing! If they won't put it in writing, then don't deal with them. They'll say whatever they feel like saying to get the money out of you. Everything has to be in writing.

    You could always send them a picture of a spider for payment in full. lulz
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    damn bastards they are... how long do you think i should wait before i make them an offer?
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    I am pretty sure that if you are getting calls from collection agencies, your credit is already ****ed........

    Just sayin
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    From the talk you reported it sounds like a scam and or extortion. Professional collection agencies don't say "well how much do you have" and "that might buy you another day".
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    Damn dude, Your credit is shot AND your in the red! I feel for you lol. On a more serious note, freecreditreport.com probably has the info you need to see if this guys is legit or a scam artist. GL
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    Copypasta from a collection agency FAQ

    How do they make money?
    Third-party collection agencies often work on commission, where they receive a percentage of the amount that they collect. Individual collectors are often paid a low base wage plus commissions based on their personal performance.

    Some agencies also purchase large groups of charged-off bad debts for a small percentage of the "face value" (amount owed.) After a debt is sold, the debtor now owes the full amount to the purchaser. Since the chances of recovery decrease substantially with time, an agency might only pay 1% - 5% of face value. The agencies' profits come from the difference between the purchase price and the amounts that are eventually collected.

    How do they work?
    The primary tools of a collection agency are letters and telephone calls.

    What are the phone calls like?
    Individual telephone collectors may be assigned a group of accounts, and spend their entire workday, every day, calling them. Their enthusiasm is fueled by frequent performance evaluations and personal commission payments. The size of a collector's own paycheck is dependent upon how much money s/he extracts from debtors. Between that factor, and the relentless confrontations, this is a very high-stress job, with high employee turnover.

    If a collector calls and reaches someone other than the debtor (e.g. a roommate), s/he is legally prohibited from disclosing the reason for the call. Depending on the state, this may or may not include the debtor's spouse. If the collector reaches an answering machine or voice mail, s/he will often leave a message, but is prohibited from explaining the reason for the call, since someone besides the debtor might hear it. The standard message goes something like, "I am calling for John Smith. It is very important that you call me back. My name is Joe Schmo, and my number is 1 (800) 234-5678." S/he will typically sound rather bored and stilted, with other voices chattering in the background. Collection agencies are required to provide a phone number which is free for the debtor to call. They also may attach their (800) numbers to equipment which instantly identifies and logs the phone number which a debtor is calling from, in order to call the debtor at that number later.

    When speaking with a debtor, many collectors (especially those without much experience) will use a script, which contains a pre-written introduction, request for payment, and has various branches to follow, depending on how the debtor responds. If a particular debtor is taking up too much time, without making arrangements to pay, the collector will be inclined to move on to other accounts.

    Any information that the debtor gives about his/her financial situation (e.g. income or job status, etc.) will be noted on the account record and used to estimate the chances of a recovery, the appropriateness of legal action, and so forth.


    But what can they actually DO?
    If they are working the debt on commission, they can send some more form letters and make some more scripted phone calls.

    They can also report the item to the credit bureaus. And if they are working on commission, they can recommend a lawsuit, or if they own the debt, they can sue. However, the actual chances or intentions of this are often significantly less than they try to suggest to the debtor.

    Collection agencies can not legally seize a debtor's assets, bank accounts, or paycheck unless there has already been a successful lawsuit with a judgement awarded to them.

    Collection agencies can not legally make any kind of public announcements or disclosures concerning the debt, except to the credit bureaus.

    Collection agencies can not legally get a debtor fired from his/her job.

    Collection agencies can not legally engage in any type of physical violence or threats thereof.


    Why does the debtor pay?
    Often, the reasons include fear, guilt, intimidation, and a lack of understanding of the legal situation.

    The debtor may feel guilty and ashamed of being a "deadbeat," and may perceive a judgement of his/her value as a person.

    The debtor may have greatly exaggerated ideas about what collectors are (legally) capable of doing, and may have outdated stereotypes in mind.

    The debtor may be intimidated by the relentless, confidant demands, from companies that may seem so powerful. S/he may take it personally, and assume that great individual attention is being given to this particular debt.

    Consumers being contacted by collection agencies are typically in serious financial difficulty, and under emotional stress about the general situation, so they may be confused and vulnerable.

    Many debtors aren't aware of their legal rights, and feel powerless.

    There are two main things that a collection agency can actually do that a debtor should be concerned about. These involve damage to credit reports, and the smaller possibility of a lawsuit.


    What about credit reports?
    Third-party collection agencies may report a debt to one or more of the credit bureaus, as a "Collection Account," including the amount, and whether it was paid or not. Paying off a collection account will not result in the item being removed from the consumer's credit reports - it will simply be marked "Paid." Agencies can report both debts that they have bought, and also debts that they are working on behalf of the actual creditor.

    Also, a collection agency may request a debtor's credit report, in order to get an idea of his/her general financial situation, and to get an updated address and phone number.


    How long do collection accounts last?
    Collection accounts are subject to the normal seven-year time limit for appearing on credit reports. As specified in Section 605 of the Fair Credit Reporting Act, this time limit is based on the date of the original delinquency.


    What are the chances of a lawsuit?
    If the debt still belongs to the original creditor, a third-party collection agency cannot file a lawsuit. But if the balance is large, the debtor is being resistant, and if there are indications that the debtor has vulnerable assets, the agency may send the account back to the creditor with a recommendation to sue. Each creditor has its own criteria for the decision; for example, the amount must be substantial (often $1500 or more, at the very least.)

    Collection agencies tend to avoid sending too many accounts back, since it suggests that they aren't very good at collecting. Also, letters and phone calls are much less expensive than going to court.

    If an agency has bought a debt, then they have the ability to sue, but by that time, the debt is likely to be rather old, and the agency doesn't have much invested in it.

    Collectors tend to focus on fear and intimidation, since those things can work much more quickly, cheaply, and efficiently than legal action.

    Lawsuits certainly are brought against plenty of debtors, but not nearly as often as debtors fear. There is a big difference between, "Pay up or we will continue with collection action," compared to an actual Summons And Complaint.

    If the debt is substantial and recent, and the debtor appears to be a good target (e.g. reasonable assets or income), a lawsuit is a real possibility. If you are served with legal documents specifying a particular court, hearing date, etc., you should see a qualified attorney immediately. That area is beyond the scope of this FAQ.


    How are collection agencies regulated?
    The most important law is the Fair Debt Collection Practices Act, which places many restrictions on collection activities. The FDCPA only covers third-party collection agencies, not original creditors.

    Each state may also have applicable laws regarding such things as telephone harassment.


    Is there any way to make them stop calling?
    Yes. According to section 805 of the Fair Debt Collection Practices Act:

    "(c) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except --

    (1) to advise the consumer that the debt collector's further efforts are being terminated;

    (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or

    (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

    If such notice from the consumer is made by mail, notification shall be complete upon receipt."

    So the consumer can just send a third-party collection agency a written notice (preferably citing the FDCPA), ordering them to stop the collection letters and calls, and the agency is legally obligated to comply. The only permissible contact thereafter is to notify the debtor of specific "remedies," like legal action, but usually the collectors won't even bother.

    If the creditor hasn't yet made a decision on whether or not to file a lawsuit, then that decision may be made at this point, rather than being delayed.

    After a "cease and desist" notice from the consumer, the debt may then be returned to the original creditor, passed on to another third-party agency, or simply filed away, depending on the circumstances. The agency may still report the account to the credit bureaus.
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    Originally Posted by thoughtshewas18 View Post
    Write a letter (must be snail mailed) to the collection agency asking for proof of the debt. They have 30 days to provide it and can not contact you during this time.

    Use that time to do some research and figure out the money situation. I've never heard of a collection agency that wouldn't accept a payment plan. Any money is better than no money.
    This.

    And -- per the Fair Credit Act (think that's what it's called, look it up before you quote me) -- a collections agency is MANDATED by FEDERAL LAW to accept whatever payment plan you're capable of. If you can only pay $0.50 per month, they have to accept that. They'll say they can't, but just tell them you're aware of the law and they'll shut up pretty quick.

    If you're a certain amount of years delinquent (I think it's 7), they can issue a warrant for you to appear in small claims court, and 99% of the time small claims court will make you pay $25/week until it's paid off.

    There are two options here for paying off this debt, assuming it's legitimate:

    1) Settle the debt for less than what you owe
    Usually, companies will go as low as 50% of what you owe. Call them up, say you want to settle your debt, and your aunt gave you $600. ALWAYS say it's from a relative and that's all you have. Ask for a settlement. They'll probably say "No, we need $700-$800." Waver a little bit, say you may not be able to pay ANYTHING AT ALL for like 6 months... Then eventually say "Hey I just got a text, my girlfriend is going to loan me $150, I can give you $750." If they agree, which they will, trust me, ask to get the settlement and amount you're settling for IN WRITING. Then send them the money within 30 days. Done, it's not fantastic for your credit but it's better than an open collections account...and cheaper than option 2:

    2) Pay off the debt in installments
    Figure out an amount that you can DEFINITELY pay, NO PROBLEM, every month until it's paid off. Tell them you'll pay that, and whenever possible, send in more money. The faster this is off your credit report, the better, and making payments above the minimum looks good too.

    GL.
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