Granted, I have been unemployed and have not received any compensation for over a year. I have exhausted all my savings and can no longer pay my creditors. I have been living in the house my husband owns. When the savings were drained, we made the decision that I would forgo paying my creditors and that, since he was still working, he would continue to pay for the expenses we needed to survive. I fully intend to repay my creditors once I am back on my feet and employed.
I have written letters to my creditors, talked with them personally, and informed them of my situation, and it was noted on my account(s).
I realize this sounds like a cop-out, and I know I am responsible for these debts. But when these accounts are turned over to collection agencies as a means to recover the money, what gives these agencies, specifically CPC (Central Portfolio Control), the idea that their way of "handling" these situations is to call and harass their "clients" and threaten them into paying these accounts or else be listed as "refusal to pay," which is not the case!
I know that collecting is part of their job, but they really don't know what it is like to not have a job and to be down and out, and then to have someone call you, yell at you, interrupt you and not pay attention to anything you are saying. I am so upset at this point that it is truly difficult for me to put into writing what this company is capable of. I know that they are just doing their jobs, but I think the tactics they use need to be addressed!
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