The phone rings, and you get that sick feeling inside. Oh, no- not ANOTHER bill collector!! Sometimes you just don't answer or you look at the caller ID first, if you have it on your phone.
Don't these people know that you are a good person who is going through a hard time right now, and if you did have the money, you would pay them? Calling you day after day won't get them their money any faster, especially since you just lost your job, and your mate is only working part-time.
I used to work for a collection agency myself, not as a collector, but as their outside sales rep. If the agency does not follow the procedures outlines in the Fair Debt Collections Practices Act, you can not only be off the hook for what you owed the creditor that they represent, but you can sue them for three times the amount of the debt!
Are you aware that the credit report banks and businesses get to see has about TWICE the financial information compared to the credit report you receive from the credit bureaus?
CLICK HERE for more info!!
http://www.ezniche.com/data/article.php?l=477
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