Well I know i'm in collection, and i know i owe the money. But no money to pay these people. Where the h*l i'm going to get the money pop it out of my a#? I understand they call me don't call my neighbor pretend to be my friend and my neighbor is a sweet eldery lady, why? How did she get my neighbors number? The federal trade commsion's debt protection act states (very interesting document to read) yo uare only allowed to contact the debtor on the telephone number submitted on the orginial credit card application, to collect a debt. Well they try to call me at work, my cell phone in which they are NOT allowed to call. Then they switch me around same company. 6 different people handling my account.
Now here is the part i want to share with all who are in collection, I got this information stupid girl gave me all the information I went to a job fair and just for kicks applied for a job. Well first of all, these collection agencies are similar to telemarketer boiler room enviorments.in an industrial park somewhere (a friend lives in cherry hill and that is exactly what it is) most agencies work on commission only, debtor don't pay they don't get paid.
They don't have any legal authority to do any of they things, they threaten or harass you with, unless your debt is over 5,000 or more. And it is all a script and they make you say those things to wear you down.
The federal trade commssion ebt protection act is a fine document to read. BUt because state laws are diferent, the collection agency abides by their state's regulations NOT yours. I love sharing this information
there is a whole lot more, and there will be a part 2
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