I was 18 and living on my own in Detroit. I had 3 credit cards with a $500 max sent to me by various companies. I was learning to use them corectly until I lost my job. I used the cards to float and survive. They maxed out and i couldn't even pay the minium. It's easy at that age to let things get out of control with no regard for the future. I stoped paying and moved and got a new phone and was lost to my creditors for 5 years.
I grew up and was ready to buy my first house. I had to track down my own collection agency because my account had been sold and re sold. I was in contact with all 3 collection agencies and was really trying to see how much money I would have to get to clear all of this up. 2 of the 3 agencies were helpful and polite and willing to settel my orginal debt of around $500 which had balloned into a $1,500 collection account.
To get these settlement amounts I had to give a post dated check. I called 2 of the 3 agencies just before the date on the check to tell them to wait because my dad was in italy and he was going to lend me the money for the pay-offs. 2 of the 3 said ok wrote down this information and later got there money as agreed.
The offices of Scott Lowery who had been rude and overbaring from the begining. Canceled my deal and said I owed the full amount. I tried explaining and according to their records I had payments pending with 2 other credititors and called me a liar. Mr. Studsman (a.K.A. Captin D*head) shouted at me and then hung up like a coward. I explained i was trying to clean up my credit and purchase a house. I CONTACTED THEM!!! I understand i was a deadbeat but as soon as i contacted them they were like wolves feasting on my dieing financial carcass. Captin D*head last words to me were, "Good luck getting a house!"
Well a*ole I got my house and a hot wife. At my job I have the task of collecting past due invoices. I don't know if it's just a southern thing but you can get more bees with honey than viniger. There is no need to be overly rude and demanding to people. I understand they have to chase down deadbeats and they probley hear all sorts of tall tales. Listen to people before you run off at the mouth or you might get more than an ear full of profanity.
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