I'm a debt collector, ask me anything

[SonOfAesthetics]

Can't disclose where I work but its pretty hardcore. AMA

[Rem0]

Favourite ASMR video currently?

[Getter_done]

Is it similar to semen collector? im not gay but i gotta make a living too ya know.

[Gsxr25]

Best lulzworthy excuse you ever heard?

[Brozart]

why is the atmosphere of the sun far hotter than the sun itself? doesn't this violate the fundamental laws of thermodynamics?

[Lawlstud]

Looking for most lulzy responses

[Ikeman83]

How does it feel having to go through due process to get judgment before you can garnish wages?

Poverty as ****.

[HoustonNoProb]

Most debt someone was in?

[7Friday7]

why do you keep calling my phone for? i told you i would pay next week brah. chill.

[Lawlstud]

In 5 minutes im going to neg if op hasnt started responding

[jiujitsubro]

quit calling me *******. I know those random numbers are u

[Armord]

quit calling me *******. I know those random numbers are u

better stop getting fired at work so you can pay your bills boyo

[SonOfAesthetics]

What is the lowest % you are authorized to settle on over the phone and to follow up, what is the lowest possible % to settle at no matter what, which could include any authorization if that is even possible?

The follow up to that would be, what line of wording takes you to that percentage? Is it threatening lawyers, simply talking your way to it via personality (doubtful) or is it some set of word phrasings (saying they won't pay over and over but staying on the phone...) that triggers it?

The worst thing you can do is not speak to the collector.

Always always always answer the phone and at least try to work with them. My firm in particular doesnt like to litigate because our clients are mostly bottom of the barrel scum so we are VERY hardcore.

My best advice is to ask the debt collector who is implying at a lawsuit "ARE YOU GOING TO SUE ME?". Under the FDCPA Debt Collectors are not allowed to threaten to sue if they have no intentions of actually sueing you. Anything other than an outright yes means they dont actually intend to litigate and you can proceed accordingly

[SonOfAesthetics]

quit calling me *******. I know those random numbers are u

My favorite is when I call you at work only using your first name pretending to know you and you answer the phone and then its over

[SonOfAesthetics]

What is the lowest % you are authorized to settle on over the phone and to follow up, what is the lowest possible % to settle at no matter what, which could include any authorization if that is even possible?

The follow up to that would be, what line of wording takes you to that percentage? Is it threatening lawyers, simply talking your way to it via personality (doubtful) or is it some set of word phrasings (saying they won't pay over and over but staying on the phone...) that triggers it?

Also never threaten to file a lawsuit cause then you'll look stupid. Unless they violated the FDCPA (and they keep notes of every call and recordings to make sure they dont) you dont have a case. Furthermore whenever one of my dumbass debtors says "IMMA CALL MY ATTORNEY" I ask for the name and number of their lawyer and laugh my ass off when they hang up

[BigGuyForYou]

think u could collect debt from me? dont think so

[Zerophuckslivin]

Are robo-calls part of your business?




I give 1K+ every month or so to these "collectors". When I wasn't making money, they weren't rustling. Now I got money coming in, mad robo calls. Chit pisses me off and distracts my business. I'm in home sales. You *******, collectors robo calling me (6x a day, and a day late on bill) can hurt my business, when I'm with a client figuring numbers. You want to get paid.....? GTFO my phone. Seriously, changing my number tomorrow. Phuck you robo ******* squad dickless bastards. SRS Phuck you.

[SonOfAesthetics]

Best lulzworthy excuse you ever heard?

The lady said she had been a victim of identity theft by a person with their same name and appearance and thats why her drivers license matched her ******** (We skip traced her)

[fox994]

How much do I have to owe before its worth your company's time to take me to court?

[SonOfAesthetics]

Are robo-calls part of your business?




I give 1K+ every month or so to these "collectors". When I wasn't making money, they weren't rustling. Now I got money coming in, mad robo calls. Chit pisses me off and distracts my business. I'm in home sales. You *******, collectors robo calling me (6x a day, and a day late on bill) can hurt my business, when I'm with a client figuring numbers. You want to get paid.....? GTFO my phone. Seriously, changing my number tomorrow. Phuck you robo ******* squad dickless bastards. SRS Phuck you.

We are legally allowed to call you up to six times a day to contact you. What most agencies do now is they have robo dialers that hang up once the call connects and yeah, its technically legal. Its successful though. What you have to do to stop that is mail them an official CEASE AND DESIST COMMUNICATION LETTER. After that they are only allowed to contact you one more time to let you know how they plan to proceed

[SonOfAesthetics]

Im not entirely sure how you're supposed to format the Cease and Desist letter in writing but thats how the FDCPA states you can halt all further communication attempts

[TwoHumpChump]

Most violent situation?

[BrahPlease]

I would just say the guy that owed the debt died 3 months ago and to never call me again. That shuts up debt collectors real quick.

I would never pay $$$ to someone i didnt originally owe it too.

[LinuxJon]

The worst thing you can do is not speak to the collector.

Always always always answer the phone and at least try to work with them. My firm in particular doesnt like to litigate because our clients are mostly bottom of the barrel scum so we are VERY hardcore.

My best advice is to ask the debt collector who is implying at a lawsuit "ARE YOU GOING TO SUE ME?". Under the FDCPA Debt Collectors are not allowed to threaten to sue if they have no intentions of actually sueing you. Anything other than an outright yes means they dont actually intend to litigate and you can proceed accordingly

If you rarely litigate, why would not speaking to you be a terrible idea? Obviously these are people with credit in the tank already. What is their incentive to negotiate with you, or even talk to you, if you won't sue most of the time?

[SonOfAesthetics]

Lmao at everyone in this thread. I'm a debt collector not an attorney

[SonOfAesthetics]

If you rarely litigate, why would not speaking to you be a terrible idea? Obviously these are people with credit in the tank already. What is their incentive to negotiate with you, or even talk to you, if you won't sue most of the time?

Because THEY don't know that. Its all about perception. On top of making the debtor feel we're going to pursue "further action" we also threaten to pickup our property all the time without actually putting in a pickup order.

ALSO when we say "ON THIS RECORDED CALL ARE YOU SAYING THAT YOU HAVE NO INTENTIONS OF PAYING" its a powerless threat we cant really do ****. Its a scare tactic

[SonOfAesthetics]

If you rarely litigate, why would not speaking to you be a terrible idea? Obviously these are people with credit in the tank already. What is their incentive to negotiate with you, or even talk to you, if you won't sue most of the time?

Well thats in my particular debt collection agency. However other agencies from what I hear will litigate after they determine they can garnish you.

The reason we dont is because a large portion of our clients who dont pay are on Social Security and Disability, which we cant garnish. Furthermore some of these clients are genuinely broke and even if we win we wont get anything out of it (this is assuming that the person we're suing absolutely does NOT have a case). Hence why I said we're hardcore, because unlike other agencies we have to STRICTLY collect off our talk-off.

Its much more profitable to have collectors on my company's payroll than a bunch of attorneys... And I agree.

[icedonkey5]

bish better have my money

[FunnyWeasel]

why the fudge are there extra fines on certain loans (student, since its increasing with no end in sight)? you do realize that this kind of stuff goes hand in hand, right?

If 1 guy cannot pay off student loans or the debt collector for that matter, then it'll be a regular issue...but
If 10,000 guys cannot pay off student loans or the debt collector then it'll be a jolting problem for everybody.

[Brozart]

Seriously, changing my number tomorrow. Phuck you robo ******* squad dickless bastards. SRS Phuck you.

fukn looool