Pre-employment credit checks for debt collectors?

I have been dealing with bill collectors off and on since the early 1990’s but it wasn’t until just recently that I became curious as to whether the bill collector harassing you on the other end of the phone has good credit themselves. Now that I think about it, it’s highly doubtful.

Imagine the hypocrisy and double standards involved, not to mention the audacity to call someone up and harass them for not paying their bills when the collectors themselves have just as bad, if not worse credit than the debtor they’re trying to collect from!

Instead of sitting in a cubicle spewing nonsense about being served between 3 - 5pm tomorrow at your home or place of employment, they should be worrying about paying their own damn bills and leave debt collection to people who actually have good credit. The system is clearly flawed.

I recently saw a show on Dateline where the shows investigative services discovered one collection agency in particular that was owned and operated by ex-cons. Yes, there are convicted felons working as debt collectors in this country! Although I suppose it’s totally possible, I don’t know of any felons with good credit and high moral standards.

There should be laws in place to prevent bill collectors from being hired for this type of employment without having first passed a pre-employment credit check themselves. It is utterly outrageous that this type of thing goes on all across America and someone needs to put a stop to it.

Okay… Now I’m done!

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Bill Collectors Call Me!!!

Bill Collectors Call Me (BCCM) is a rapidly growing database of unknown, unlisted phone numbers that is powered solely by the contributions of site visitors. Users simply add numbers that have been identified as debt collectors or telemarketers along with a brief description to identify the caller.

When other users get a call from an unknown number, they simply visit BCCM and enter the digits into the search bar. If another user has added the same number into the database, the number will appear highlighted in “orange” so that it can be easily identified by the searcher.

So the next time you get a call from a bill collector, be sure to add the callers number and a brief description to the BCCM database. Knowing who the caller is won’t stop them from calling you every day, but at the very least it will give you the peace of mind of knowing who they are.

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Thinking about Getting a Payday Loan?... Say Cheese!

If you’ve ever been in a situation where you needed a payday loan, then you may have noticed that “some” payday loan locations actually snap your picture with a web cam at some point during the application process just before handing over your cash.

Why do they take your picture? To scare you, that’s why. They try to make it look all official so that you will think twice before stiffing them on the money you borrowed. It’s just a scare tactic. Furthermore, it’s quite possible that they're not even really taking your picture, but just pretending to.

Either way, a real photo has about as much value as a pretend one, which is next to none. Now, I’m not suggesting in any way that you run out and get yourself a bunch of payday loans and not pay them back. I’m merely saying that the photo they take, whether real or pretend, means nothing.

Should circumstances arise and you find that you are unable to pay back your payday loan, just be aware that the law is not going to come knocking at your door to arrest you for “check and wire" fraud like the payday loan companies would like to have you believe.

Welching on a payday loan may be morally suspect, but it is not criminal. It is a civil matter. I’ve said this time and time again but it warrants repeating. The worse they can do is sue you and even that is very unlikely. How do I know? I have lots of experience and I’ve never seen the inside of a courtroom or jail cell yet!

Recommended Site: Bill Collectors Call Me !!!

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Beware of Second Chance Offers from Capitol One!

Over the years I’ve probably had every poor credit, high interest credit card that’s ever found its way into my mailbox. One such credit card is Capitol One. To be fair, they also offer low interest credit cards to people with good credit but I’ve never had one!

When I had my Capitol One card back in the late 90’s, my interest rate was through the roof. Ultimately, I ended up defaulting on the card and my credit rating took a huge hit. Well, as it turns out, Capitol One can be very forgiving when it comes to defaulted credit card debt. Should your credit rating improve over time, Capitol One may even offer you a new preapproved credit card… but BEWARE!

What they don’t tell you is that should you accept their new offer for credit, they will add your previously defaulted Capitol One balance to your brand new account! Yes, it’s sneaky but it’s also a very smart business model.

So basically, they’re willing to grant you a new line of credit but you’ll be forced to pay off the old debt should you decide to accept their latest offer. Now, that's not a bad thing if your previous balance was minimal, but if you owed a significant amount, you might want to consider passing on their offer.

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