Creditor's Interchange is the worst collection agency ever. They have threatened to garnish wages (even though I don't work) take my home (even though I am not technically an owner, my husband is solely on the house) and they are extrememly rude and threatening. They leave messages that clearly state they are calling about a specific debt, and they are not allowed to do that. They also never state "this is an attempt to collect a debt. Etc" They call my cell phone 3-4 timesa day, every day.
After doing some research on the laws about collection agencies, I have come to realize that they are breaking many of them. There is even an article about them on the New York Attorney General's website. I have filed a formal complaint with the Attorney General (as advised on their website) This is one of the most unethical companies out there.
It is one thing to owe debt, but obviously I know about it and don't need them to harass me every second of the day. They act like they know my cirumstances and my life, they even told me when and where I should get a job! I guess paying your bills on time for 5 years means nothing. The other thing is that they call and give false names. I know it's the same guy who calls, but he changes his name. His latest call said he was "Milt Sideman" What kind of name is that? Obviously a fake one! They like to use words like "final
decision" "arbitration" and the like.
I even got a message that was so rude stating " I am calling about the problem that you have created for yourself and I will be forced to make a final decision on your account if you don't call within the next hour" Whatever, they dont' scare me anymore.
I know they work on commission, so they will try anything. When you read about how many collection agencies actually do sue companies, it's such a joke. Credit cards are unesecured debt. That means no collateral. They cannot take your house or your car or garnish wages. They can sue you, but the chances of that are so rare because by the time it gets to a 3rd party collection agency the original company has "charged off" your account, and written it off so anything they do collect at that point will just be extra. Once it is charged off I feel there really is no point in paying it because it will be on your credit report for 7 years anyways. I really don't care about my credit score right now anyways. They can't threaten me anymore. I have reasons for not paying that are none of their business.
This company needs to be destroyed! Don't let them intimidate you! Just remind yourself that they work on commission, and have made literally hundred's of calls that day, just as rude, to other people.
Annoyed with Collection Agencies!
Anywhere, Tennessee
Canada
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