Attack back on the bill collectors.

[anarchy1999]

Most people don't know how many times their debt is sold to collectors. Each company their debt is sold to is more aggressive than the one that owned it prior. Attack back. Tell them to go to hell. Tell them you will pay when Enron, Worldcom and all the rest do. Include Halliburton and all our corporate criminals. When they pay, I will. That is all you have to say. Your name is removed from their call list, immediately.

Go to:

http://www.debtmarketplace.com/collection-services.html#e

And be sure to get the owner's name, call the owner and threaten back, tell them to cease and desist. Cite all of the above and threaten them back. Don't take it anymore!!!

I have lots to tell on all these guys!!!!!

[blueknight]

1. i dont think thats....

very good advice. they can get a judgement against you and put a lein on your wages and/or properties can't they?

[anarchy1999]

2. Depends on what state you are in. Lucky so far, we are in Texas and

They (the bill collectors) hate it. Wages cannot be garnished, there is the "Homestead" law, they (the bill collectors) can't take your home.....

Still, I don't know what state you are in, I do know you can fight back!!! Just give me a state and I will find the attorney. What these collectors are doing is criminal. Do you know how many times your debt has been sold, and to who? Why do we put up with this?

[Bunny]

24. Same with PA.

I believe that Texas and PA are the only two states where you cannot have your wages attached for credit card debt and the like.

[anarchy1999]

4. How much property do you have? If you had property you probably would

not be in the position to have collectors ringing your phone off the wall.

[catmandu57]

3. What are they going to do?

Shave your head and send you to Iraq?
I tell them to take me to court, they'll get my twenty year old leaking, smoking car, and I'll wipe my ass on their judgement.

[anarchy1999]

5. Ah yes, debtors prison,,,,,,, right?

Back to old England, we shall go.

[blueknight]

6. i live in ky...

but i dont have a problem, my brother does.he was telling me he thought they could do this.

[YNGW]

7. Money

Getting rid of bill collectors calling is one thing. Getting your credit report straightened out is another. Until you pay-off or otherwise settle your debts, you can't hope to obtain a mortgage at decent terms or rates. If you are anarchist, then obviously owning private property is not of great concern to you. Then there's the rest of us who like having our own home and don't like having to pay higher prices to make up for those who don't pay their obligations on time, if at all. Maybe it's just me.

[anarchy1999]

8. You are right, maybe it is just you. When Enron, WorldCom and all the

Rest are made to pay, then we will. Do you really want to own a home right now? You aren't paying higher prices because of us who don't pay our obligations on time. You are paying higher prices for everything, including property, as in the home you own. Tax Cuts for the poor, don't you know?

[YNGW]

11. Not Today.

It's not me. It's no secret that company's pass on their bad debt from those who don't pay in the form of higher costs to those of us who do pay. I DO own my own home right now. I also pay my bills on time and don't obligate myself beyond what I'm able to repay. Personal responsibility, don't you know?

[anarchy1999]

14. What happens to those that have been laid off, that have all kinds of

personal responsibility? Do they deserve to be tormented? I really don't think you understand.

[YNGW]

16. I said...

........getting rid of the bill collector calls is one thing. It's another thing to get your credit straightened out. There are ways to go about it, one of which is Consumer Credit Counseling which can be obtained through the local United Way. It gets the bill collectors off your back, they usually can work out payment plans with your creditors (which sometimes includes taking less than you actually owe), and at least you are making the effort to make good on your debts. Last resort, you can file Chapter 7 or 13, which has it's own down-side.

I'm in the banking business. I deal with people everyday who have screwed up their credit. I understand all the different things that can happen all too well. There are ways to go about it to cause yourself less grief. The bill collectors may go away, but the bad debt is going to stay with you until you make it go away by paying-off or otherwise settling the debt with the creditors or through the courts.

[anarchy1999]

18. Nice to know you are in banking, save yourself.

n/t You are aware of the Fed, The World Bank, IMF and etc and on and on. Save yourself, quit now. Do you care?

[YNGW]

23. HA

No, thanks. I don't take advise from anarchists.

[anarchy1999]

26. Just because our name is anarchy1999 does not mean we are anarchists!

Go get a drink in the lounge!

[anarchy1999]

9. Ahh - they have changed their name www.collectionadvisor.com/

Tawn and Scott can tell you all about it. If you ever wanted to know everything there is to know about data mining, credit and collections, Choice Point and all the rest, just call these guys. A really nice bunch of guys to know.

[outinforce]

10. Here's Another Way To Stop Bill Collectors

Pay your debts.

If you lend something to someone, don't you expect to have them return it to you?

And if they can't return it to you when you expected to get it back, don't you expect them at least to call you and to give you some idea of when they will return it to you?

If you have bill collectors calling you, it usually means that you have not only not paid your bills, but have not even bothered to contact your creditors in order to try to work out some re-payment plan.

Your comparisons with Enron, Worldcom and all the rest is quite interesting.

You call them criminals -- I guess because they don't pay their debts.

What would that make you?

[anarchy1999]

12. I guess, criminal.

And yes, we are paying our debts. Being harrassed continually is difficult. I can't imagine what it must be like for those who have nothing to pay. Thanks outinforce for your kind thoughts.

[outinforce]

15. You Are Most Welcome

If you are paying your debts, then I cannot, for the life of me, understand why you would think yourself to be like Enron or WOrldcom who borrowed money and did not pay it back.

I'm afraid I must have misunderstood the message of your original post.

I thought you were saying that the bill collectors were calling about money that was owed and had not been repaid.

My apologies for my misunderstanding.

[redqueen]

17. And if one can't pay? Just take the harassment? Is that your advice?

As for your questions:

When I lend, I don't expect it back. And I don't expect a call, either. It's just a thing. It's just money.

Here's a clue: many people without the ability to pay debts have no way to work out a 'payment plan'. Many people are now choosing between food and medicine, between food and rent.

I don't call Enron and Worldcom criminal because they don't pay their debts because they're poor... I call them criminal because they STEAL. They didn't lose a job and suddenly find themselves unable to pay their debts, those bastards KNOWLINGLY planned to DEFRAUD consumers AND investors. And you have the nerve to insult the poor who have trouble keeping up with obligations? !

People who fall on hard times did not embezzle and defraud and lie and manipulate -- they mostly expect to be able to pay their debts and things get out of control.

lol... thanks for the kind words indeed! :eyes:

[anarchy1999]

20. Thank you dearest for weighing in! In a very large way!!!

Thank you. I thought for a while I was on my own.

(I was being really sarcastic with the kind thoughts remark). Just so you know.

[redqueen]

31. Yeah, I figured that was sarcasm

Kindness is strangely absent from that perspective, IMO.

:hi:

[outinforce]

22. Can I Come To You...

Can I come to you the next time I need some money?

You say that when you lend, you don't expect it back.

Perhaps you could help out anyone who is having trouble paying his or her debts. You could lend them some money.

[redqueen]

33. Friends, family, yes

I am not rich by any means. I'm not even middle class anymore. But when I have money and a friend or relative needs it I will offer it without expectation of reimbursement.

I don't know why I'm that way, but hey... works for me! :)

[outinforce]

38. How About Me????

As far as I know, you and I are not at all related.

And I would never presume (without asking you first) to consider mysefl your friend.

If I come to you and ask to borrow your television set or your microwave, would you expect me to bring it back to you....if I said I really, really needed it?

Would it make any difference if in order to convince you to lend me your TV, I promised to return it to you?

[redqueen]

39. You answered your own question

I don't know you from Adam, so...

[outinforce]

25. "Nerve"?

"And you have the nerve to insult the poor who have trouble keeping up with obligations? !"

I think that if you go back an read my post really slowly, you will see that I insulted no one.

What I think I said was that one way to get the bill collectors to stop calling would be to pay one's debts.

I do not consider such a suggestion to be "nervey" in any way at all.

[cap]

27. hmmmmmmmmm....

eom

[redqueen]

34. You implied they were no better than Enron, Worldcom, etc.

That, in my book, is an insult.

What, you consider that a compliment?!

[radwriter0555]

13. In most states, debts older than 4 years old cannot be sued for;

and once you deny the debt exists or is yours, it's up to the debt collectors to prove it is yours and they can ONLY do that with actual records from the original debtee.

YOU HAVE TO BE DILIGENT. I had an agency TRY to come after me for a debt that was some 15 years old. I told them it WASN'T mine and must have been from a fraud case (listed on my credit report) from that period. I put it in writing, in faxes, and on the phone with serious diligence, and told all the credit reporting agencies as well.

Read up on your state's specific laws.

[FighttheFuture]

19. There's an old saying...

When you own the bank a $1000 that's YOUR problem. When you own the bank a $1,000,000 that's THEIR problem.

This pretty much sums up why outrageous criminal acts like Enron, Worldcom, etc. are minimized and often "forgiven" while the poor schlep who owns $1000 and cannot pay is thrown in our current version of "debtors prison". This often leads to freezing and garnishment of assets, labor and a lock out of society leading to bankruptcy which takes years for "rehabilitation".

Nice system if you are on the top of the heap.

[datasuspect]

47. it's interesting . . .

how no one attaches the same morality to corporate criminals who often are simply forgiven their debt, while the average person has to engage in this big passion play over their small potatoes consumer debt.

i see all these cars, all these lives around me and i know that these lifestyles are debt-driven. who actually pays for anything in cash anymore?

[camero]

21. Usury, plain and simple

You get sick or lose your job and can't make the payments so the fees go higher and higher and they don't stop. This debt collection crap is a form of stealing. They are charging you for money not lent.

[seabeyond]

28. bully for you anarchy

we have about 150k owed to us by customers. people that called my husbands business, and had him spend money on equpiment, and his time to fix their computer. so they could get onto to boards and tell others to say screw it to those you owe money to.

and because these people dont feel they have to pay my husband, we had to borrow 50k to pay our bills because we feel obligated to pay for what we buy. and now the interest we will have to pay on this bank loan, so we can pay our bills will take out any profit that he might have made. profit being incredibly low in the computer business in the first place

and in time, as people continue to not pay my husband the money he's owed, we will then go bankrupt, have to sell our house to payback our loan, because we feel obligated and also fire the 10 other employees that he pays weekly and their health insurance because he feels obligated.

so yes, be angry at the people, you bought something from and refuse to pay for, that they want that money to be able to pay their bills and keep their business going

cant agree with you on this one, if you havent gotten the jest

[outinforce]

30. Oh, My.

Oh, dear.

Although I would not say such a thing, there are some folks who have posted to this thread who might consider your post to be a nervey insult to poor people.

They would suggest that you just don't understand what it is like to have to struggle to make ends meet.

They are folks who, when they loan something, do not expect to have it returned to them.

[redqueen]

35. So you know for a fact that everyone who owes you can pay

but just refuses to do so on principle?

Spare us, please.

[Skittles]

29. I advise people to send SOMETHING

if you have a bill for 300 bucks and you cannot pay, send them ten bucks. It's lack of contact that makes them attack you more than lack of paying in full.

[outinforce]

32. But. But

But if someone had to pay $10 to keep a creditor off of his/her back, might that not then mean that s/he couldn't afford to pay for an internet connection?

Let's keep our priorities in order here, please!

[redqueen]

36. So you know for a fact that everyone who can't pay their debts

has internet service?

This middle class hate the poor bullshit is really starting to piss me right off.

:puke:

[outinforce]

37. No. Only

The folks who post to the internet have internet service.

Some of the folks who say that they cannot pay their bills because they already have to choose between food and medicine, between food and rent apparently have internet service.

[redqueen]

40. Stupid assumptions... again

Your huge glaring mistake is in ASSUMING that anyone here is presently experiencing this.

Why do you assume facts not in evidence? And to the detriment of the TRULY poor, more importantly?

Hmmmmm?

[outinforce]

41. I Will Not DIscuss This With You.

You appear to be more interested in having a little flame war over who is more caring and compassionate towards poor people who cannot afford to pay their bills.

I refuse to play.

Good evening.

[Feanorcurufinwe]

42. I always think it's funny when someone petulantly announces

"I'm not talking to you anymore!"


LOL, taking your ball and going home is not the same thing as winning the game.

[Skittles]

45. I understand that people may be in dire circumstances

but many people do have an income but cannot afford to pay bills in full. It happened to me many years ago - I had a 300 dollar bill I could not pay so I just sent them 25 bucks every month. No one ever called me even though on every bill it said MUST BE PAID IN FULL.

[datasuspect]

48. an event of default

is an event of default.

"sending at least something" is one of the oldest old-wives tales out there.

i think it is a way for people to assuage their guilt for not being able to pay their bills, at least for those people who attach morality to financial transactions . . .

nonetheless, if a bill is payable in full, and you do not pay the full amount when due, you are in default (contingent on variable terms and conditions that could cover the nature of the agreement or transaction). end of story. this can provide the legal basis for damages or recoupment that a lender or debt holder can get in a judgment.

[Feanorcurufinwe]

43. I don't mind paying my bills.

But I do mind when the credit card company goes bankrupt and sells all their debt to a collection agency which raises the interest rate 8% and refuses to talk repayment plans. Yes, I will pay them -- last. Maybe if I'm lucky I'll die first.

Meanwhile, I have nothing to say to them.

[outinforce]

46. I Always Think It is Funny

when someone petulantly announces


"I'm have nothing to say to them!"


LOL, taking your ball and going home is not the same thing as getting yourself out of debt.

[Nlighten1]

44. It won't work...

but you can try it.

[Jim Warren]

49. I'm curious

A reference was made to debtors prison. Are there any states where debt is considered crimunal. Anyone?