I'm Not Paying

I'm Not Paying (Full Version)

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JohnSteed1967 -> I'm Not Paying (8/30/2006 7:51:03 PM)
In 2004 I had a car repossed because of my divorce, Now nearly 2 and a half years later I have a debit collector that thinks its his GD mission in life to harrass me even when I have told him that I will not pay. I know per South Carolina law in March 2007 I will have officialy completed my three years of residency and by that state law the statue of limitations has run out on the debit. He and his fucking company are SCREWED. When I have told him that I will not pay and there is nothing that will ever get me to pay, and that I have a brand new car so I don't need their credit. and Legally they can't take me to court and sue me over the debit. WHY won't they listen!

cuddleheart50 -> RE: I'm Not Paying (8/30/2006 7:54:48 PM)
It's his job to harrass you. Don't tell anybody but I had a similar problem a very long time ago,,,and one time when they called me for the millionth time, I had my son answer the phone and tell them that I had passed away...they never called back. [:D]

mnottertail -> RE: I'm Not Paying (8/30/2006 7:55:57 PM)
because as long as you are having a dialog with them, it is like shitbreathers on collarme............ Do not look for ---- Hell with it, never mind. Ron

KatyLied -> RE: I'm Not Paying (8/30/2006 8:21:41 PM)
deadbeats are so precious

RosaB -> RE: I'm Not Paying (8/30/2006 8:42:26 PM)
quote [In 2004 I had a car repossed because of my divorce, Now nearly 2 and a half years later I have a debit collector that thinks its his GD mission in life to harrass me even when I have told him that I will not pay. I know per South Carolina law in March 2007 I will have officialy completed my three years of residency and by that state law the statue of limitations has run out on the debit. He and his fucking company are SCREWED. When I have told him that I will not pay and there is nothing that will ever get me to pay, and that I have a brand new car so I don't need their credit. and Legally they can't take me to court and sue me over the debit. WHY won't they listen! ] ---------------------------------------------------------------------------------- Like Ron said, because you are engaging them in conversation, so they figure they can wear you down and maybe get even a penny out of you. My apologies for the inconsiderate name calling it was uncalled for. it has been removed. But I still feel many collectors don't deserve respect from the behaviors I've seen people go through. If your reason's are justifyable, for not paying this debt then by all means, don't give them the time of day. If you have caller ID and its an unrecognizable number, let the call go to the answering system. If do choos to answer, when they start talking press any button and hold it for a few seconds to give them a nice ear buzz. fight fire with fire. What are your state laws on this type of harassment? In some US states they penalize companies for such harassment or at least they use to, I know at one time all you had to say to the caller was something like, "You've informed me of the debt, I understand what is owed, now please do not call me again, if you do I will report your agency to so and so". Don't wait for a response, just hang up. Oh and be sure to ask for the person's name if you want to hear the phone click off on you mid sentence or if you just want to have a bit of fun. Yes, that B aint for beauty queen.

Lordandmaster -> RE: I'm Not Paying (8/30/2006 8:57:09 PM)
God bless the great state of South Carolina. quote: ORIGINAL: JohnSteed1967 I know per South Carolina law in March 2007 I will have officialy completed my three years of residency and by that state law the statue of limitations has run out on the debit. He and his fucking company are SCREWED.

arissa -> RE: I'm Not Paying (8/30/2006 8:58:44 PM)
Firstly, I am a Collector, albeit for commercial accounts, I do NOT make bottom of the barrel wages, and I never call anyone from my cell or home phone, that’s a waste of MY time and my minutes. I have friends who are consumer collectors, and trust me when I say they do NOT make shit wages, collectors are indeed highly paid people, reason for that, is they have to take BS abuse form people who refuse to pay the bills they owe. Now, perhaps the reasons you give are valid, to you, but did you read your contract when you bought the car, did it have a repo clause in it? Did it state that if it is reposed you would not have to pay? I bet it didn't. NO car dealership would put that sort of clause in a contract If the car was sold to a third party for less then what was owed, then you are legally responsible to the remainder of the debt. When they call you back, which is their job, open a dialogue with them, ask to have a copy of the original contract, ask if the car was sold to a third party and then ask for that information, ask what is owed and see if you can’t work out some sort of deal. Collectors are not harassing you for the fun of it, they would not be calling if the debt was not valid, and yes, it can so ruin your credit, whether you have a new car or not, it can impact even the smallest of things, an R9 rating on your credit is not a joke. Try buying something with that sort of rating, and no, it does not just disappear after seven years, it IS still there. Give collectors a break, they are just trying to do a job, just like everyone else, and they are NOT bottom feeders like you think, nor jerks. Given the chance ALL collectors are willing to work with you, as well as provide you all the information you need and/or want.

mnottertail -> RE: I'm Not Paying (8/30/2006 9:15:49 PM)
I am a computer programmer that has worked in this industry for over 30 years, if you have a computer and a phone system that works together, I either helped in its development or inspired someone to do it for competitive reasons, Having said that........ Many bills (here you are talking about a specific consumer contract) while you may have owed it, as he stated comes in the statute of limitation. Typical example is a hospital bill.......... If you owe them they may sell the debt to 4 collectors and have agreements for shares with another 4. All will bill you and try collect simultaneously and you being confused could possibly pay the bill 4 times over. So, let us for a moment consider consumer contracts-- Take a cell phone-- look at the pretty picture in Red of all the area that is covered and the money back guarentee....... So, it don't work-- well it works SUBSTANTIALLY as described............. LOL--- never mind, I can't go on............should have got it in writing-- Remember, companies are not in business to lose money, if you buy the assumption you buy the deal............ I KNOW MY BANKER. and ALL BANKERS will eat RIBEYE while you eat hamburger............... Deadbeeats is one thing, but adversarial arguments are only that....... Ron

truesub4u -> RE: I'm Not Paying (8/30/2006 9:24:05 PM)
quote: ORIGINAL: arissa Firstly, I am a Collector, albeit for commercial accounts, I do NOT make bottom of the barrel wages, and I never call anyone from my cell or home phone, that’s a waste of MY time and my minutes. I have friends who are consumer collectors, and trust me when I say they do NOT make shit wages, collectors are indeed highly paid people, reason for that, is they have to take BS abuse form people who refuse to pay the bills they owe. Now, perhaps the reasons you give are valid, to you, but did you read your contract when you bought the car, did it have a repo clause in it? Did it state that if it is reposed you would not have to pay? I bet it didn't. NO car dealership would put that sort of clause in a contract If the car was sold to a third party for less then what was owed, then you are legally responsible to the remainder of the debt. When they call you back, which is their job, open a dialogue with them, ask to have a copy of the original contract, ask if the car was sold to a third party and then ask for that information, ask what is owed and see if you can’t work out some sort of deal. Collectors are not harassing you for the fun of it, they would not be calling if the debt was not valid, and yes, it can so ruin your credit, whether you have a new car or not, it can impact even the smallest of things, an R9 rating on your credit is not a joke. Try buying something with that sort of rating, and no, it does not just disappear after seven years, it IS still there. Give collectors a break, they are just trying to do a job, just like everyone else, and they are NOT bottom feeders like you think, nor jerks. Given the chance ALL collectors are willing to work with you, as well as provide you all the information you need and/or want. For the most part I'll agree with this post. But having been awaken before 7am mon - sat ever single day for 13 months.. I just made game out of it... when they called... I thanked them for the wake up call and hung up... it got to point they where calling 3-4 times a day. Now this was for a student loan I had back in 85. And over past year and half they've decided it was time to let me know where loan is. Back in 87 my loan was sold to a differnt bank and I lost track of it. And being a cross country trucker at the time... I simply tossed it out my mind. I've always been easy to find.. never hid from them. They would even call my moms house looking for me and she gave them my addy and phone number.. I agree they have a tough job... but I also agree that though to a point it's a legal way to hassle someone... alot of them do go way to fucking far.

truesub4u -> RE: I'm Not Paying (8/30/2006 9:25:29 PM)
quote: ORIGINAL: truesub4u oooooooooooops some how double posted...LOL

arissa -> RE: I'm Not Paying (8/30/2006 9:40:25 PM)
trusub4you: That is NOT one bit legal, and if I were you I would find out which agency is doing it and report them to the FTC. Your right, some companies have NO scruples what so ever, thankfully my friends work for first placement and don’t usually have that hard of a time, now, as for 3rd and 4th placements, they have NO scruples what so ever. I know because I have been IN collections (thanks to the ex) but got all but one cleared up right away. When the 3rd placement started calling me, they made a HUGE mistake, forgot the mini Miranda. Poof, bill gone. I did pay it, but I paid the original debt, not the agency. Even when a person is in collections, they do have right’s, and I always suggest the exercise those rights and demand ALL the information. Yes, each state varies, but not when it comes to legal times to call and the mini Miranda (this is an attempt to collect a debt and any information obtained will be used for that purpose) no mini Miranda, HUGE FDCPA violation. See, not all collectors are evil

mnottertail -> RE: I'm Not Paying (8/30/2006 9:40:56 PM)
Pay the bill twice and we shall forget it, OK?

mnottertail -> RE: I'm Not Paying (8/30/2006 9:49:20 PM)
I will agree in whole and in part with this, in legal terms. Ron

truesub4u -> RE: I'm Not Paying (8/30/2006 9:58:05 PM)
quote: ORIGINAL: arissa trusub4you: That is NOT one bit legal, and if I were you I would find out which agency is doing it and report them to the FTC. Your right, some companies have NO scruples what so ever, thankfully my friends work for first placement and don’t usually have that hard of a time, now, as for 3rd and 4th placements, they have NO scruples what so ever. I know because I have been IN collections (thanks to the ex) but got all but one cleared up right away. When the 3rd placement started calling me, they made a HUGE mistake, forgot the mini Miranda. Poof, bill gone. I did pay it, but I paid the original debt, not the agency. Even when a person is in collections, they do have right’s, and I always suggest the exercise those rights and demand ALL the information. Yes, each state varies, but not when it comes to legal times to call and the mini Miranda (this is an attempt to collect a debt and any information obtained will be used for that purpose) no mini Miranda, HUGE FDCPA violation. See, not all collectors are evil thanks for the information.

RosaB -> RE: I'm Not Paying (8/30/2006 10:07:04 PM)
You are right, the nasty name calling of bill collectors was totally uncalled for. You and those you associate with are the exception to the ones I've encountered. The ones that harassed me for bills I've not owed or were double charged for and it was hell having these problems resolved. And let me tell you, the people that were hired to collect some times used verbal tactics that you might come across on an episode of what's that HBO show with the mob boss? Anyway, I know people that have been told to sell home belongings if they have to, asked very personal questions, talked down to in unimaginable ways, I've seen elderly people in tears. So, my nerves have been rubbed raw and when I hear bill collector, I have a bad reaction like a dog when it hears one of those high pitched whistles. Um do I get a hormonal pass? I do apologize to the more respectable group of individuals that are just doing their job like everyone else that's trying to get through the day. Even if it doesn't sound like it, it is an apology for that terrible bottom of the barrel comment. Inserts foot in mouth Rosa

joyinslavery -> RE: I'm Not Paying (8/30/2006 10:16:28 PM)
So YOU'RE the reason my premiums and interest rates keep going up! I always suspected it was someone from South Carolina. Thank you.

mnottertail -> RE: I'm Not Paying (8/30/2006 10:26:29 PM)
LOL, no; it is the UCC a little tiny chunk of code of Hammarubi that says that IF..........and the IF is generally solicited for proof on your side, and it costs regardless of the laws blindness...........

seeksfemslave -> RE: I'm Not Paying (8/31/2006 12:32:44 AM)
Just wondering...how all those that seem to agree with the debt NOT being payed would react if the money was owed to THEM ?

NeedToUseYou -> RE: I'm Not Paying (8/31/2006 1:54:09 AM)
I'll tell you, when I was about 19 or 20 in college I took one of those credit cards they specificly market to broke college students. I ran it up, then couldn't afford to pay. A couple years later I was working, and thought I was doing the right thing. Some company bought the debt I guess, and sent me a offer to settle. So, I paid it in full. You know what happened they turned around and said I still owed money after I talked to them and paid in full the amount required to settle. Maybe there are legitimate credit collection agencies, sorta like I'm sure there are honest politicians somewhere. Just haven't met one. LOL. You know these companies intentionally extend credit to those having no business getting it. It's standard industry stuff, they give credit to people that shouldn't qualify and then when they inevitably can't pay, they jack the interest, which was always the goal. Those that end up paying and digging themselves out make up for the ones that default. If your business is designed around the assumption that people will fall behind, and thus allow you to jack the interest. I have little sympathy for them when they are stiffed. PBS ran a documentary about credit cards and how they've evolved. From reasonable interest and fees to the credit worthy. To a scam with artificially low rates super hi fees to almost anyone, in hopes they'll miss one payment and thus in incur the 20ish interst rates. I only use debit cards now for personal buying, and use a american express card exclusively for business related charges (because they have some discounts, I wouldn't even have it if it actually didn't save me money). I pay it only every month, the first week a new bill is charged. That's it. Credit is to be avoided if you can afford not to use it. Credit in general is pretty much a scam, they give you super low rates then wait for you to fuck up once. Don't know what happened with the OP, but that is what it is from what I experienced, read, and watched about it. The collection agencies, well, they buy the old debt for pennies on the dollar. And if they can collect it they get to keep the difference as profit. Probably why they are so motivated. I assume they feed people a line that there job is about doing what's right. But ignore the unscrupulous practices used by the credit lenders that lead to the situation more times than not. LOL. It's really not the original company you owed by that point already wrote the debt off there books in most cases. If that's not the case, then why would a credit card company give a broke ass college student a credit card to begin with? It's because they bank on the fact you won't be able to pay and hope you will incur all kinds of late fees and crazy interest charges and pay when you do get a decent job in a couple years. LOL, gambling. Anyway, I went through my little experience, paid them, they said I owed more, LOL, even though they said on the phone and in a letter it would be settled. I won't use trash credit ever again. So, it was a good lesson to learn, early.

seeksfemslave -> RE: I'm Not Paying (8/31/2006 1:59:07 AM)
The usual tosh...I'm in trouble it must be someone else's fault.

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