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LOL - What's worse then a debt collector?  A Radical Christian Extremist Debt Collector!  Shouldn't you be out promoting Huckabee and hold up Anti-Abortion signs or something?  

And for your info, I am Bhuddist and I am far from a thief.  If the company you represented had done things correctly and fixed their error, then it would have never gone to collections.  If your company hadn't threatened legal action and simply worked within the legal guidelines of the law, both parties could have resolved the issue without an actual loss of anything except interest that they wheren't legally entitled to.  

Instead, your company took a hardline approach and continued to threaten legal action.  So I beat your company to the punch, retained a debt collector and filed Chapter 13.  All within my legal rights. Maybe you guys shouldn't be so radical in your ways and try and be nice to people and fix a problem rather then create one.  You know, I haven't heard from you guys in amost 2 days...I almost miss those calls..lol

Google's "GrandCentral" also keeps a detailed calling log of all calls, including blocked ones, which is perfect for filing FTC reports after the [***] call you too many times a day. Remember, you can sue them for $1,000 per violation.
And these losers make a LOT of mistakes. ;-)

These calls come in about every hour, leave only a partial message-"to record the call".

Funny to see these collector characters logging onto here, but if you think about it, the responses to them posted here are probably the most exciting thing in their dismal lives.

According to FDCPA, it ia perfectly legal for us to call your friends, family, neighbors, and employers. Any debt collector dedicated to preserving human dignity will try the cell # first. Followed by the home #. Then we call work, then we look for location information. We will call frinds, roommates, neighbors and try to find out location information. If no new #s are attained, we will pull a credit report on you. Every 90 days or less. Everytime we do this your FICO score drops 3 points. Hiding is not helping you. My company has a legal department. Once an assount has reached that far, the account is either reviewed for arbitration in the courts or you will be persued legally. That is the truth. We have every right to call you and attempt to collect your debt. We can offer settlements, there is hope. We are not the enemy. If someone starts to scream at me i know that it is not their fault anymore than it is mine. We all have roles to play.

Lies to me are really lame. I hear them allday from you people. Most accounts that i work with are over 6 months without a payment. How can you not pay even $30 towards a debt that you owe? We send letters, we call you, I feel that you people are avoiding your responsibility. It's childish and stubborn~ the way that you think. Always blaming us for trying to get our country out of debt. We work hard while most of you sit on your butts and pout and whine about the phone calls that you get. Honestly, you want us to call. That is the whole reason why these accounts aren't in a paying status!! You secretly want us to call you! I figgured it out!

You can type, i assume you can speak. Call and take care of business.

I'll call you myself.

I think that it makes me feel good about the human race when they communicate. All this back and forth posting can go on forever. We will never agree, we are all stubborn. It's just fun to look at things from a different viewpoint. Sometimes it doesnt dawn on us that we are all the same. we all suffer and we all have our experiences. I wish the best for everyone here on this site. no matter what hate that you posess, you are still like me to the T. Think about it?

"DTB" above makes a good point: what you people do is fraud, trying to collect 100% of some other company's loss-which has been written off and for which they received tax breaks, so they've already been compensated.What no one likes is your arrogance, harrasment, threats, and lies. And you KNOW you do that, don't deny it.So we are NOT the same, "Exciting, not really". You're able to inflict more stress on already wounded people for money, a torture-[***] for hire extortionist. You tell yourself the lie that people "steal" and are nothing more than "debtors" to ease your conscience, but does that really work? Deep down you know what you do is evil, don't you?
I bet the guards at Auschwitz rationalized themselves in the same way. Sad.

calling on a debt unknown and the ss#isn't even mine

From what I have seen, a lot of people in debt rely with clever insults and empty threats. There is always an imaginary lawyer, or make believe law to justify the truth. The truth is that you people that owe money make no effort to pay it. You are all selfish and stupid. You are the sole reason why our country is in so much debt. Instead of spending money on the internet service, going out to dinner, and shopping for things you don't need-pay your bills. You are all very pathetic. By choice. Choose to make a difference and be an adult. Pay your bills. Quit trying to justify your theft. Low lifes, all of you. Even if you have a nice car and a nice house, it doesnt mean that you earned it. You stole it. While other people struggle, you sit back and whine like spoiled children. Only you can make a difference. No effort will only bring an eventual downslide. There will be horrible consiquinces that will devour you and your children. look around you, it's happening already. Everytime some one suffers that is close to your heart, remember the debt you created.

Yeah, I am soooooooooo evil, making you be an adult and trying to make you pay your bills. Oh! The guilt that I feel trying to get the country out of debt, one loser after another... 'I own my own business, but I can't afford $20 to pay my bill", "I sent the check"(everyday they say that) "I'm busy, call back", "I have to pay for gas for my porche", "My kids need new toys" "I would pay, but my cable bill is more important" "I'm not going to pay because I don't feel that I have to."
WANT MORE??

I noticed you conveniently omitted from your laughably melodramatic admonition the many people mistakenly targeted and illegally harassed for debts they don't owe.

Accordingly, outlaw debt collectors should be (and are) held accountable by the law. Or, to put it in your preferred terms, outlaw debt collectors should be "devoured" by "horrible consiquinces [sic]."

(CUE MELODRAMATIC MOVIE THEME)

Observer, that was really funny, a lecture in morality coming from a thief.
You guys are too funny, not a half-active brain cell among you. Just keep telling yourself how moral you are, and the rest of the country is "debtors".And you know NOTHING at all about what circumstances may have forced these people into hardship, but you judge so quickly, like any of you thieves has a higher morality. Sad, pathetic, delusional auto-dialer slaves.
Better quickly make some calls to make up for the time you stole from your employer by being here! LOL

Maybe someone should call the office in Binghamton where these posts are from, and tell the manager his drones are busy posting here all day instead of slaving hard collecting debts.Hey, collectors, I bet he'd be REAL understanding, huh? You'd get fired, and your fellow collectors would be calling YOU. What a great idea. Hahahahaha

"From what I have seen, a lot of people in debt rely with clever insults and empty threats."  

I never threaten anyone, not even when NCO called. I merely gave you the name of the law firm handling the Chapter 13 and name of my attorney, eventually towards the end (because your company kept calling) I wouldn't give you his phone number, but in the beginning I did so because you wouldn't call his office and just annoyed me - I admit that but at first I gave you all his info including his cell number.

"There is always an imaginary lawyer, or make believe law to justify the truth."  

LOL - mine wasn't imaginary.  Otherwise your company would not have stopped calling.  I noticed though, until you received a copy of the actual Chapter 13 with the case # and trust account info, sent via certified mail, you did keep calling.  Once NCO got the above info - they stopped.

"The truth is that you people that owe money make no effort to pay it. You are all selfish and stupid. You are the sole reason why our country is in so much debt."

Absolutely incorrect and very ignorant of the facts.  In my particular case, I had excellent credit for over 15 years with close to 100K in unsecured credit with about another 100K available.  My current mortgage right now, is at $438K and my vehicle loan is $31K I think; give or take a few thousand.  What occurred in my case is a lender, never closed out a previous mortgage I had even though it was done via a title company and the mortgage company was marked as paid in full on a property I sold in Florida.  

See, the title company put the money in escrow and never paid them.  Should be no big deal - right?  Wrong, the title company went out of business and took all the money from the escrow account and not just with me, but literally hundreds of other people whose payments where in escrow.  So much so, that the underwriter for the title company could not provide the paperwork (Luckily my attorney kept a copy) because the title company owner is facing criminal charges and there is still more under investigation.  

When I politely proved all this to the mortgage company, they threatened me, claimed that it wasn't their fault and I didn't fulfull my obligation under my mortgage agreement and demanded payment in full.  I told them "No, I already paid and they needed to handle the matter with the underwriting company".  They absolutely refused.  Then "they said they would foreclose on the home".  I told them "Go Ahead" - What the heck, I don't own it and I think it would be funny.

Anyway, at this point, I hired a Debt Attorney and asked for advice from him and my family attorney who is on retainer.

After two days, they both told me that legally, the company can demand payment in full, but that I do not owe as payment was received by the title company and the error is not mine and they will not be able to collect. However, because this institution had lost so much money in Florida Real Estate, they refused to accept this and informed my attorney they would still attempt to take legal action.  

I was advised to fight this in Federal Court (Because I had moved to another State) which would have cost between 20K and 30K in just up front money or liquidate (HIDE - LOL)all my assets and sell my company with option to buyback in 11 years for a $100.00 and declare chapter 13 and tell them and everyone else to kiss my @rse.  

So I discussed this with my wife (Who is not on the mortgage and we do not share any credit or banking institutions - something every couple should consider!!!!!!  TRUST ME ON THIS!!!!).  Anyway, I decided to do the chapter 13.  Why you might ask?  Because shouldn't have to pay 20K to 30K to fight a debt I don't own?  Keep in mind, I would win, but there was no guarantee I would get my legal fees back so I could end up losing a minimum of 20K probably a lot more depending on how hard the former mortgage company wanted to fight.  

So I ask you, does that sound like I made no effort to pay a debt or correct it?  Unfortunately, because of this, I openly admit it; other companies had to suffer because I wrote them all off on my Chapter 13 to avoid a higher payment plan.  Capital One, MBNA, BOA, AMEX, City Federal Credit Union, they all lost.  Casualties of war!  On the bright side, they get to write it off and they made plenty on the interest over the past 10 years plus the government is going to aid them. Funny, do you think the government would have aided me?  NO, it would have come out of my own pocket.  That my friend is theft and that is being a low life.  

You want to go after someone, go after predator lenders, go after uninsured title companies, the Country is this way because Banks went crazy giving everyone credit who didn't deserve it or who did but didn't know what they where getting, then sold the loans or bought loans and title companies, realtors, all came out into the market with no experience or bad intentions and ruined the entire housing market Nationa wide.  

This is why the Country is in a recession, not because of debt owners - but because of predator lenders, improper institutional paperwork or corrupt companies taking advantage of consumers. But go ahead - assume I just spent 30 minutes typing this up as a joke - it's not, it's very true and it's happening on a National level.  

Look on the bright side - because of all these corrupt, stupid companies (NOT PEOPLE), you get to keep your job for a very, very, long time because it's only going to get worse as interest rates go up along with everything else.  

I will say this about NCO - until they get a certified letter with the Chapter 13, along with the trust account info, they do keep calling.  You guys did for a long time, but now you don't.  One thing I want to point out is that I was never rude, even though you did call at odd hours of the evening (Up to 9 p.m.) and you didn't answer half the time, and you called on average 8 to 12 times a day.  See - that is rude.  If you simply listen to your debtor, ask him or her for not only the name of an attorney, but their phone number, address, and website if they have one.  If not, advise them to get one or seek a financial counselor rather then demand money.  You know the companies you work for - they make mistakes too believe it or not.

My advise to everyone is the following:

If you get in trouble with debt - seek a professional debt attorney.  The attorney can either work out a payment plan, settlement, lower your interest rates, or if need be file a chapter 7 or 13 depending on your income.  There is so mch a professional debt attorney can do to help and it's worth it.  

However, know this - Chapter 13 and 7 really isn't the end of the world.  Under 13 you are not allowed to apply for credit without permission of the court appointed trust for 5 years (At least that is my situation).  However, after that - it's a new fresh start and it's really easy to get a good score quickly.  You are allowed to have a "secured credit card" which shows up on a credit report as always positive :-)  You are also allowed to have someone sign you onto their account to help you regain your credit.  

So please, don't threat the debt collectors - they are nothing to hide or worry about.  It's what they have to do for a living because eventually in life - even McDonald's fires the really stupid people so they don't have anywhere else to go :-)  LATER KARMA & OBSERVER!

I really enjoy writing to you debters. This website is considered work related so we allllll have access to it. Let's see, I work with approx 100 others here. Management included have written to on this site. So, let me tell YOU something. You are poorly mistaken that any of our jobs are in danger. Freedom of speach and oh yeah, the right to defend ourselves as people. Have a nice life, cry and get mad, or laugh and smile... realisically, you are no better than me or anyone else. That includes the real bums that sit at home on their a$$ avoiding phone calls. My favorite is when they USE their children to lie for them.

Yawwwwwwwwnnn - how is this site considered "Work Related"?  You have no access to ip address so you can't track a debtor.  Alias are used here.  And the site only gives info on the company's that the phone number belongs too.  I can't see how this could possibly be a work related site, but would love to hear you explain to me how.

And on a more serious note, if the debt collector earlier really wanted to reach me, call me - 809-496-2700.

Sill waiting...seems like you debt collectors are all talk.  I even gave you permission to call me and you still haven't bothered.  Whimps.  See - this is why people shouldn't be afraid to deal with them.

what's your #?? - You asked for my number - I gave it to you.  Here it is again...  1-809-496-2700.  I will be here until 4 p.m. eastern standard time.  Ask for David.

Unauthorized calls from my desk are prohibited. I have break at 10:am eastern time, Vestal, NY. If you are mean I will hang up.