Share Your Debt Collector Stories!

When you’ve dealt with bill collectors for as long as I have, you eventually run across just about every collection scenario in the business. In one such scenario, I received a call from a collection agent who was very nice and surprisingly a perfect gentleman throughout the entire conversation. The conversation went something like this:

The collection agent tells me that my visa account was in collections and that it would cost me just over $1000 to settle the account. I informed him that the credit card limit was only $300 and that I would be willing to pay the $300 to settle the account, as I was trying to clean up my credit.

He then informs me that the extra $700 was due to collection fees and interest. I remained calm as to not escalate the situation and kindly informed him again that I would gladly pay the $300 past due amount but there was no way that I was going to pay back an extra $700 in interest and fees…not in this life or any other for that matter.

The agent then tells me that it will go on my credit report if I refuse to pay and I informed him that it's already on my report so I would gain nothing by paying him an exuberant amount of cash on a card that I would never be able to use again and on top of that, it would still ding my credit report for years to come.

It didn’t take very long to figure out that neither of us was budging any time soon, so we both agreed to end the conversation like gentlemen without the standard voice raising and name calling. All in all, I believe it just may have been my best collection call ever! Do you have any debt collector stories that you’d care to share? If so, please type them in the comments section below!

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Do You Find "Bill Collectors Hate Me" Useful?

Due to unforeseen circumstances, I had to take a bit of a hiatus from BCHM! but I think I've gotten my life in order to pick back up where I left off. The question is... Does my audience appreciate all the hard work that I put into the articles that I write?

Sure, I get the occasional "thanks for the great site!" posts but I really can't get a true feel for the impact the site has on the majority of my followers. I guess it doesn't matter much as long as I'm able to give at least a few people peace of mind in knowing that they are not going to go to jail for unpaid payday loans!

I often use payday loans as an ongoing blog topic because it seems to be one of the most popular topics that people email me about. At any rate, I enjoy helping to put peoples minds at ease and will continue to do so as long as people remain interested in what I'm sharing. Here's to a new year!!!

Join the fight to stop bill collector harassment... Please "SHARE" this page.