866-909-0529

Hey, its called grammar and spell check.  Ever heard of it?

At work, I got a "personal call" from a woman, didn't catch her name. Said she was looking for [first name] and to call her back at 1-866-909-0529, x57210.  This one went to voicemail. If they call back again, I am going to expressly ask who her employer is, and politely tell them not to contact this 3rd party again, pursuant to Section 804 of the FDCPA.

As I sit and read what everyone is saying I think that a few things need to be brought forth.  Its a job...it sucks.

Being a debt-collector was not my ideal job nor is it my career.  But these days its not as easy as it once was to find a job in your field.  Coming out of college with my B.S. degree I did not think it would be too difficult to find employment...I was wrong.  And it sucks but when those student loan papers come, you have to pay them somehow.  So here we are.

We sit in a cubicle, we dial hundreds of numbers, we get cussed, we get threatened, we get disrespected, and we get lied to.  (From debtors as well as management.)  Yet we have bills to pay so we deal with it.  The pay is a joke and the stress is through the roof.  I have seen people come in that are full of life and vigor and within weeks are on medication.  But, it is our job.  Why does this job exist?  Because people at some point in time in the past, though faults of themself or another have had something and did not pay for it.  And to think, I took this job because I did not want to be that person.

I have no grudge or hate for anyone I call.  But I do have certain standards that I have to achieve every month.  So many times when you here a collector on the phone they might be pressured from that fact to get you to pay...in fact most times that pressure is standing beside them and if they do not get a payment they will get a lecture.  And yes...most of these debts are CRAP.  Thirty bucks from twenty years ago CRAP.  But we do not get to pick and choose who we call.  If we did we would only call the millionaire who missed one payment in the last ten years.

Another thing I want both collectors and debtors to understand is that many and I mean many collectors are debtors themselves.  So empathy should be there...but so should responsibility.  Everyday I hear, "Well, its been 7 years, so I ain't paying."  The fact is that not every state has a 7 year statute of limitations.  Some have 4, some 6...some 15.  And for the most part legal action will be taken if needed.  With that being said, I heard one person say that it was about to go out of statute in a few years so they would not pay...they were fast tracked to the legal department.  I hate to send people that direction but will.  But sometimes, without our knowledge legal will take people anyway.

Easy way to avoid that.  "Treat others how you would like to be treated."  Explain the situation (and do not lie, or if you do atleast entertain) and then set up some type of arrangement (if in statute).  If statute is out and you are not gonna pay then send that in writing to get you out of the system.  This saves eveyone a headache.  Be warned though, you might receive a 1099-c (I think thats the one).  As for setting up payments out of a bank acct, we have no access to your acct.  It is put in a cpu and thats really that last thing I'll see about it, unless it bounces (which again is a way to get fast tracked to legal).  Most people are not trusting of this and will want to mail in a check...when it gets here the info is taken off the check and placed in the system.  Did the same thing but instead to taking minutes it took days or weeks...and then we got in trouble for not taking the payment then.  Also when you send in a check or a money order it is not considered payment arrangements.  Why?  Because its still up to you to send it, thus its not in our system.  If you receive calls after you set up arrangments then this is why.

I'll end my rant because I stare at a cpu enough throughout the week.  But please understand we all are not bad people.  We have a life outside of work (with exclusion of management, who by the way are [***]).  We have bills to pay like everyone else.  If it was up to me I'd quit tomorrow.  But until another opportunity comes along, here i am.  I will do my job but I will treat people with respect (as long as I am treated in the same fashion).  With this job I have had my life threatened and my blood pressure flying through the roof.  I'm not upset with the people I call, I just wish they would not be upset with me.  Any BTW most times we can not give out the company name without knowing who we are talking to, that is a violation.  We are not trying to be "dicks".

The job sucks, the management really sucks (and is facing numerous lawsuits), and the people who threaten my life suck.  But other than that for the most part the actual collectors are nice (stressed out) people.  Remember that.  I apologize for everything that has been said from collectors that have offended people.  But trust me, they ain't (or should not be) upset with you.  Its just the job...and it sucks.

God Bless.

Crystal - "business"   for sosmeone who does not use my phone number

9;00 am this morning.  fourth call from this numberover last few days.
A business call, that "was none of my business" according to
a Justin at extension 5708  He was looking for another member of this family, who is not at my number.

Received a call on a business line from this number requesting a call back to Arthur Banks 866-909-0529 x57009

You know a friend of mine told me about this site....she stated that it would make me sick if I was to read it....I thought well it can't be that bad and decided to check it out myself....well here I am....am I sick you may ask?.....yes....am I sick about the debt collection company?....no....debt collectors do what they have to do to earn an honest living just like anyone else in this society.  So what if you don't like them....there is a reason for all of that....the reason is...when growing up as a child...some did not listen to their parents when they were teaching them that stealing is wrong.....I am one who pays all of my bills on time and if I can't afford the bill I don't make the bill....I have credit cards and things like that, but have never been as far as late on a payment....Bill collectors do a job and actually help you out if you jut let them.....bashing them does nothing but show that you do not have any intelligence at all......because they are trying to help you over come the theft that you have committed in your life....when you agreed to the terms of that credit card, you also agreed to pay it back in a timely manner.....no where in the fine print does it say...ok you can have this card with a credit line of 1000 dollars and you never have to pay it back.....it is stated all the fees and other charges that they are going to add if you don't pay.....take it from someone who knows laws well and also knows about your cbr's.....you may think that once the bills are charged off that you no longer thave to pay for that bill...that is where you are wrong....they may not show their ugly faces on a credit report that you pull off the internet...but get someone to pull your full credit report and all the ugliness of the theft that you have committed in your life time will slap you in the face.....guess what it is still there.....but you all have fun bashing people who are trying to help you....while all the drug dealers are on the streets selling your kids who knows what....but wait a minute according to this you are more worried about people calling you about a bill that you did not pay....so drugs is what you need for your children....I would much rather be sitting in the comfort of my own home listening to a conversation on my telephone with a bill collector...than sitting at home wondering what kind of crap my kids are getting from the local drug man on the streets....I think alot of you need to man up and grow up and pay your bills and get on with life.....and for those who say what they are doing is illegal.....well if that was the fact then the company would have been gone a long time ago....instead of growing it would be closing for breaking laws...I have done lots of research on this comapny and can tell you this...they are very legal in what they do....and yes they may buy the account from someone....but hey you buy groceries from someone don't you?.....oh well you guys are boring me with all the childish trash you post on here....may God be with you all and may you wake in the morning and act like a responsible adult and stop playing childish games like this one on this website.

If there is one common characteristic of these collection agency employees that is just about universal, it is complete lack of communication skills.

I've never seen so many badly written essays as appear on this website.  There's no logical thought process, sentence, or paragraph structure.  Punctuation is randomly thrown in, willy-nilly, with no regard for its correctness or actual purpose, similar to the way one scatters chocolate sprinkles over a layer cake in an effort to make it "look better".

Worse, there is no apparent stated objective which is the way to begin any argumentative paper.  The thought patterns start at some random point and then meander meaninglessly from one unconnected idea to another, incoherently, as one might expect from the stimulus of a marijuana induced fog.

If I may dare to assume that there is a purpose to these exercises, and that the purpose is to change another's thinking to your point of view, then that purpose fails miserably.  How can the writer expect to convince the audience of anything when he obviously isn't capable of forming a convincing theory, much less expressing it?

Perhaps this is a condition that could be corrected at the primary school level, if looked for.  "CA Syndrome", diagnosed by the above symptoms.  If untreated, the prognosis is a life sentence confined to a cubicle equipped with a computer and a telephone.

Yep, we just bought this house and our number is unlisted. This number is calls us 800 772 1413. Condra is leaving a personal message for ***** former owner of house, and to call back to this number 866-909-0529 ext. 57072. My hubby called this number and asked for this extension...they are stupid [***]..they never heard of Chondra..that ext...or nothing. She called again today..first time left no message..then she called right back and I picked up the phone as she was leaving message...told her that person no longer lived here and this number was unlisted and to stop calling...she said "Calm down Mame" this was the last number she left us. O.o'' I just hung up...but guess what...we are doing away with our land line...why pay for cell phones and a land line for harassment.

look i don't care if this debt is 75 years old an the debtor is about ready to pass away we are still going to collect on the debt an if you simply refuse to pay we'll just send the debtor a (1099c) meaning we have notified the IRS that u have contiuniously refused to pay the debt an have tured us down from all settlements then we send u.SO a 1099c is sent out to the debtor meaning that the IRS is notified about the orignal balance an that you are to claim this debt as earned income for the years an have to pay the taxes on it cause you orginally signed a contract obligating to pay this debt back with all the fees that come with this account not just the intrest rate but even the hidden charges witch i agree with both the collector stand point an debtors stand point them hidden charges are highway robbery but beside the point just pay your bills peolpe we all have to pay bills weather we like it or not hell if you don't feel you owe the full balance of what we have on the accoutn try to settle the account with us we are willing to work with ya'll on these account but you can hang up when we get you on the phone cause we told you the account is $2500.00 on a card the was orignally $750.00 cause like i said most of the account is intrest an hidden fees that we don't read in the fine print on the contract.... so if the account is $2500.00 an the card was only $750.00 then tell us that you only feel you owe $1200.00 on the accoutn insted of h/u just for us to call you back the very next day to have to go thru the same thing again....so people just pay your bills an go on about life

If you pay your bills you wouldn't have to worry about people calling your phone......We are calling for a reason so instead of writing mess about the comp and taking time out to talk mess about the comp you know the num call and pay your damn bills.....LOL

childs play...the statue of limitations on earned income is three years with the irs unless its 100,000.00 or more then its for life.so all i have to do is say to the irs that earned imcome was more then seven years and im not reporting it and that ends it. i already did this... people another dummy in collections.

collector...my estae is in a land trust now what are you going to do you dumb [***] and everytime a dumb collection agency puts a inquiry on my report i call that agency and dispute the inquiry and they remove it right away also idiot and derrogatories on my report is removed in 90 days and my score is back at a 780,its nice to have a cousin who works for transunion so you lose collector hahaha

no child play....you can send out the 1099c tax forms but like the other guy said in the post if the earned income is more then three years old you don't have to report it to the IRS.there statue of limitation is three years from April 15Th to three years later on April 15Th the only time the statue of limitation doesn't work for three years is the earned income is 100,000.00 or more that is for life.
so your stupid scare tactic wont work and you have nothing else you can do.and you cant even report it on peoples credit report..and you wonder why people give you a hard time is because your a liar and we have no respect for liars

thank you for my job security..it is bliss knowing that i will have a job because your a moron that refuses to pay their bills..ill be calling you soon dee. have fun stickin your foot in your mouth cause im sure you do it on tha daily.

Missy, what is your problem? If you have something to add about the number feel free, other wise spare us all your bad attitude and take your nastiness elsewhere. I received a message from this number at our place of business (local tv station)and it had nothing to do with us paying a bill just for the record. The message is from Brenda and she left the name of the party she was looking for, who has never worked here. She also stated it was a personal call. I don't know why when she heard a voicemail for someone other than the party she was calling, she would even waste her time leaving a message. Guess they don't care who they reach.

( Just read don't judge spelling errors )
It's funny how all of you have something to say. Talking about what's right & wrong. So let's start on what's right....it's right to pay your bills..it's funny because I have been on both ends on this collections world. I have been the debtor & the collector. You know that you have an obligation to the debts you owe (CC, loan, auto loans medical bills) ect...when you signed for that car, that computer, CC, that check to use as you wanted. You had no problems you charged, you drove, you drank, you clothed & you enjoyed. Yet now that it's time to pay back you want to icomplain about companies wanting the money back. You signed and agreed under whatever penalties you would pay back what you borrowed. Yet now all you guys want to do is hang up on ppl and curse at them like you wasn't taught any manners... don't be mad at the world because you couldn't manage your finances. I know things happen & sometime we can't change loosing a job, getting laid, getting hurt or even coming down with medical conditions that change being able to pay your bills. But it's ppl like you that makes my job hard. Because I have been on the other end when I spk to ppl about paying their bills. I listen & try to help. Maybe
all collectors don't pride themselves in representing their company but I do. And it makes me sick to see how ppl just teach their kids to lie. I would never teach against what right & what's wrong. As the Bible states we should all pay what we owe. So the questions @ hand is do we as ppl have any morals to do what is right....I know that life is hard. I like my job.... and I have been able to help alot of ppl that want to pay theirs debts ... no matter how old they may have been because it was the right thing to do.......it breaks all down to morals....sure it's wrong how some company talk to you but what respect do you give them. Give respect & you shall be respected. But how can you expect respect when you can't be trusted, or relied on. Stop pointing the finger, & look at how you can change what's in front of you. Don't hide....your name in the end it's all you got ....pride to

all you hv to do is pay your bills....grow up,stop telling stories....i collected 4000.00 off a woman that claimed she only got 550.00 in ss a month....theres nothing you can say to us to hurt our feelings..WE ARE TRYING TO HELP YOU!!...so grab your checkbook and lets work out a payment plan or a settlement,THEN YOU WILL HAVE PRROF THAT THE BILL IS BEING PAID OR YOU PAID IT!!!   WAKE UP DEBTOR,IT'S ME!!

We will gladly pay our bills....if it is one that is legitimately OWED.

It is a known fact your employer not only ILLEGALLY collects on time-barred debts, but also sends out BOGUS 1099-C's to the IRS on those which have NEVER been validated to BEGIN with.

Don't call us liars, when you and your employers joyfully commit acts of extortion AND perjury, in blatant violation of the FDCPA.

its funny a legal professional would reply because its you doctors lawyers an ceo's that have the worst credit an credibility we see its average working class ppl tht pay pay their bills!!! so try balancing ur check book while u sit around an give people bad advice while ripping them off to do so!!