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comment by oyster
oyster  ·  290 days ago  ·  link  ·    ·  parent  ·  post: Never speak to a debt collector

I used to have some debt collector call me all the time while I couldn’t pick up my phone but I was always pretty nice to them when I actually did get to pick up the phone.

Then one day they called while I was napping in my closet with a terrible migraine, and it made me so angry my migraine actually went away. This ended with me bringing up the time they were successfully sued in some year and they backed down hard, yaaay google.

Oh ya, forgot to add they were looking for some dude but every time they said it on the phone you could barely understand the name.




goobster  ·  289 days ago  ·  link  ·  

I had a debt collector after me for years, but they were chasing a lawyer with a similar name to mine. First name the same, different middle name, minor vowel change in the last name.

They never checked the Social Security number on the debt.

When I told them to do that, they went away.

francopoli  ·  288 days ago  ·  link  ·  

I've now got two civil lawsuits under my belt in dealing with debt collectors. The whole process was not at all fun, pleasant or enjoyable. But I got paid in the end and I now tell everyone that will listen to me that each and every time a debt collection style person contacts you, treat it as a terrorist holding you hostage. Go full hostile. Demand everything in writing, demand paper trails, and learn the tools you have under the Fair Debt Collection Practices Act Be firm but polite, never use foul language, and for the love of the Spaghetti Monster, KNOW THE DAMN LAWS. I live in a one party state so I can record everything, your laws may be different. Paper and recordings will always win over he said-she said sort of arguments. DOCUMENT EVERYTHING. Second case I went to the judge and had all my paperwork and about four hours of phone recordings. The judge made a comment that he had not seen one of these cases so well prepared before and I got the max at the time.

With so much paper being bought and sold and no oversight, and with all the massive data hacks, Equifax, everything, I've been telling people to get a Credit Karma account under an email only used for credit reporting, banking etc. They offer free monitoring. They also send email when new loans are taken out in your name. If you have a credit score over 700 or so, expect a wave of identity theft in your future in 2018. This time next year the debt collectors will be out in full force as all these stolen identities' accounts come up for demand payments.

Fuck Debt Collectors. Vermin, all of them.

flagamuffin  ·  287 days ago  ·  link  ·  

https://www.creditkarma.com/id-monitoring/search

and they offer data breach history

francopoli  ·  287 days ago  ·  link  ·  

Checked and they auto signed me up for their service. Neat.

oyster  ·  289 days ago  ·  link  ·  

See with mine since I couldn’t understand the name of the person they were asking for I made sure never to say my name so they couldn’t just respond as if that was the name being said. I assumed they were a scam from the start so I skipped all civil steps and went full crazy.

Turns out they were actually a real company and just terrible at their jobs.