When I was 18 I activated 3 credit cards and another that you could order electronics used up the money. Got tons of calls never answered any of them. They never did anything and I never used a credit card ever since.
Back in 2007, give or take, I lost my job during the fucked up economy then. On top of that, nobody would give me a job because they said I was too old. So then, the credit card collectors started nagging the hell out of me. Here's what I did. I forwarded all my phone calls, from 7 AM until 9 PM, every day, for 3 years, to the White House. I figured, if the politicians fucked up the economy, let them deal with the collectors. My friends still piss themselves laughing over that one.
I answered the first one and told them I’d make a $150 payment 👳🏾♂️ I Never did Now I ignore their calls And my Credit Score looks more like my Golf Score ⛳️
It was a bill for a lab test company and i eventually parlayed the entire 25 prank call into me paying them in urine. Now every time they call I just say "yeah I can pay you in piss" and she says " sir we don't collect urine as payment" and then I go "well that's all i got you want my piss?" And then they hang up lol. The calls have definitely subsided.
I’ve used that one, and I was legit angry like “what the actual heck is wrong with you people!” And tried to blame them saying they created my drug habit 😂
Look up the “Fair Debt Collection Practices Act.” I dealt with a debt collector a number of years ago and when I looked into it, I found this Supreme Court case. These debt collectors bank on peoples ignorance of the rights they have, and all of the steps necessary to legally collect the debt from you, namely: ● What the money you say I owe is for; ● Explain and show me how you calculated what you say I owe; ● Provide me with copies of any papers that show I agreed to pay what you say I owe; ● Provide a verification or copy of any judgment if applicable; ● Identify the original creditor; ● Prove the Statute of Limitations has not expired on this account; ● Show me that you are licensed to collect in my state; and ● Provide me with your license numbers and Registered Agent. These debts are bought and sold for cents on the dollar, which is why they are always so eager to settle. Buying a $1000 debt for $10, settling for $500 is still a profit. Often it’s not worth doing all that work to collect on the debt. You also have the ability to stop ALL communication other than snail mail, and should they threaten you with legal action or altering your credit score, you can actually sue them for: ● Violation of the Fair Credit Reporting Act ● Violation of the Fair Debt Collection Practices Act ● Defamation of Character I wrote a letter with all this information, sent it certified mail, return receipt, and two weeks later I got a letter saying they nullified the debt. Stay frosty, people.
This is mostly nonsense and just sounds like The sovereign citizens guide to getting out of debt. The truth is collectors will usually have all of this information readily available and they are under no obligation to provide All of this to you. If you wish to contest the validity of the debt they'll simply see you in court and let the judge decide. Your best solution with dealing with creditors is to either ignore them entirely, tell them that you refuse to pay and hope that they just give up, or declare bankruptcy if they actually sue you.
They will just keep calling otherwise. Just prank call them and they won't call you anymore. I was on the phone for 25 minutes talking blood work, piss and everything it was great. It was for quest diagnostics.
We Always answered the phone On SPEAKER at the house with my boys... The one who had the best bit that day, drank for free that nite. GOOD TIMES @ 22nd St.
The other day a creditor called me and I thought it was a spam call and immediately said “take me off your list.” She responded saying she was a creditor and I quickly said “yeah take me off your list. “ I was really high so it didn’t register what she said. She paused for a while and said ok and we hung up. That might work… haha
When my stepfather died, we got a call from a debt collector. I told him that my stepfather's debt died with him and hung up. Never heard from them again.
It doesn't die with him, unless he was broke. If he had any assets and had died within the last couple of years, I wouldn't have told them he was dead. Then they know and can go after his estate.
Those soulless beasts probably burned candles and had a sue-ance😅. Some real Jamaican voodoo involved in that crap. If you find a dead crow in your basement you know they are coming for you. LOL
It's not a scam if you really did owe the debt. You were lied to, which motivated you to pay back your debt. That's not a scam as it's not a crime to lie. It's a crime to lie resulting in a fradulent transfer of funds... but as already stated, you DID owe the debt, so it's not fraud.
I was 19, and a creditor called the house and got my mom. She burst into tears and told them I had died. 🤣 10 years later, for other reasons, I was having to file for bankruptcy. While going through all the stuff, because you claim everything you can, on the list was one old bill that had me listed as "closed - charged off / deceased". 🤣🤣🤣
I had one call me and i pretended to be depressed. I told him i was just going to end it all. He got so scared and told me he loved me. Then i walked out on my porch and shot a round into the ground and dropped my phone. All he said was oh no and he hung up. They never called back.
I don't buy the second half of this story, but in case it's real I just want to say that's a really shitty thing to do to someone. Sure, the company for whom they work might be shady (or it might just be a company trying to get paid on a debt just like you would if someone owed you). In an ideal world a decent person shouldn't choose to work for or represent them if the former is true. In reality, though, the person you are talking to is just some random person trying his best to feed himself and his family making 12 bucks an hour. The fact they told you they loved you just reinforces they probably aren't a bad person, just someone getting by. To put that on them is far worse than anything they or that company did to you.
@@aethere4l They work as a debt collector. I have no sympathy for them. They could do anything in life, they could be flipping burgers and it would be infinitely more respectable. If they thought the job they where doing lead someone to kill themselves they would blame the job not themselves. Just like you're trying to separate the worker from the company, that worker didn't do it the company did. The worker was just doing their job. Telling a stranger you love them to try and stop them from killing themselves doesn't show they're a good person it shows they didn't want to feel responsible for it. Not wanting to be responsible for another person killing themselves doesn't automatically make you a good person it makes you an average person. And all this saying you don't even believe it's real? get off your high horse.
@toolittletoolate I'm not on a high horse because the story doesn't sound real. I didn't say it wasn't, just that it didn't sound as such to me. Your comment reeks of privilege, as if you've never been hungry or desperate enough to do a job you didn't have respect for. Many people are just trying to survive. Also, debt collection isn't inherently evil. They are calling people that borrowed money and failed to repay. They (the company) have every right to attempt to legally and ethically collect on that debt. Some debt collectors are unethical. Some do things that are illegal. Some are despicable. Many are not. To assume that all companies and all people in their employ are degenerates is a childish take from someone who clearly never learned to take accountability for their own choices. Worth noting that I say this as someone who has tangled a bit with dishonest debt collectors. That have called employers claiming to be someone else, called family members repeatedly, and otherwise harassed me. I have experienced the other side of this but can still see the humanity and still understand that I needed to take accountability for my own actions as well.
I'd been dealing with a debt collector recently who has called me maybe 60 times in the last 4 months. They call from at least a dozen different phone numbers and they won't leave me the hell alone even after directing them multiple times to never call me again. One day I had finally had enough of it and decided that if they get to call me all day from multiple phone number, then I get to call them all day from multiple phone numbers. And that's what I did. I spent at least 3 days calling them constantly. From open to close. I would call them and stay silent. Sometimes I would call and just play loud music. Other times, I would call them and then add a call to the call just to call them again and repeated that step until I had at least five of them on the phone at once and either stayed silent or played loud music. Once they blocked my phone number, I then downloaded an app that gave me five new phone numbers. I then start calling them from those numbers doing the same thing until they blocked all of them too.
@@01man01truck And we wonder what is wrong with the world - a world where people put more effort into being petty than they do into actually being useful to society ...
@@3nertia yeah my 13 year career of being a truck driver is super useless and lower effort than a day making phone calls. You nailed it, bro. Well done.
😂 I'm surprised she didn't keep pushing it, like, "Well, is there a certain dumpster or alley you typically like to hang out in? We could have someone meet you.."
@clinicaltranscription1190 If she did keep pushing it, I would have turned it around on her. "How much do I owe? Oh yeah? Well, if you have any spare change, can you put it on my bill?"
This is generally a good strategy for anyone calling you unwanted. I don't even put them on hold... I just answer the phone and don't say anything but continue typing away, or cooking or whatever... All you hear is the muffled "hello sir? Hello sir, can you hear me?..." Eventually they hang up... And after a few times they stop calling. If you don't answer at all, I think it's just a robo-dialler... But answering wastes their time.
I had a colleague that was in his 30's. He was 30'000 in debt from a little addiction from his 20's. 10 yrs of paying the debt & the total never changed. He lived in an apartment, & didn't even have a car! I told him, why don't you file for bankruptcy? The debt was eradicated immediately, & 4 yrs later he bought a house & a car! Don't forget how they were cramming credit cards on you as soon as you turned 18? He was so grateful, & turned his life around 🙏.
@zakkmiller8242 It stops off after 7 years, so long as he maintained good credit habits after the debt, his credit was fine after 7 years. Perhaps not an 820 right away, but mid 700's no problem.
@jeffwells641 debt does not fall off. Idk where yall are hearing this shit but you need to ignore it. Pay the debt off and build credit. Play the game or you'll be stuck at the bottom.
@@zakkmiller8242 Try reading the Fair Credit Reporting Act sometime, and maybe don't be so confident when you know absolutely nothing about what you're talking about. Almost every type of debt CANNOT BE REPORTED after 7 years. The exceptions are Chapter 7 bankruptcy, which has a limit of 10 years, and student loans which are either indefinite, or 7 years from the last date paid, depending. Also, the older the mark, the less influence it has on your credit. This is what it means for debt to "fall off" your credit report. OBVIOUSLY it's better to never get a negative mark. If you can do this, you should. 7 years is a long time to have shitty credit, and you're only going to have great credit after 7 years if you were otherwise perfect - most people who have a major credit hit do not go 7 years with no other negative marks. However, sometimes life bends you over and reams you right up the poop chute, and there's nothing you can do to avoid it. If you're 20 years old with $80k in medical debt, there's a snowball's chance in hell that you're going to pay that debt off in 7 years. You can EASILY do more damage to your credit trying and failing to pay off that debt than if you just wrote it off, took the credit hit, and came out the other side 7 years later with a clean credit record.
I always assumed I had bad credit cause in my 20s I walked away from a 1000 credit card. Ten years later I check credit karma and I got a 726! I still don’t use credit but who knew.
Had a creditor call me trying to collect on my girlfriend’s parking ticket debt. My father co-signed for her car so they had a little bit of his info too, but they mixed everything up. They called my phone, called me by my father’s name and they told me her car info and her SSN to “prove” they had the right person. They then proceeded to try to pressure me into paying her tickets. I knew it was her tickets because she told me the amount she owed on her tickets and it perfectly matched the amount they were trying to collect. I kept telling them they had all the details wrong and it was not my debt and they got really sarcastic and rude with me so I started talking all kinds of shit about how terrible they were at their jobs and how they had almost every detail about their collection wrong and how since it wasn’t my debt they could S my D and I would never have to pay them a cent. So annoying when someone is so insanely wrong and yet so confident in their ignorance.
I worked at a country club bar and a debt collector called wanting to talk with the owner. I told them that the owner was almost never there. They asked me if I trusted the owner and if I got paid on time. I said yes and then they attempted to take my money because I would trust the owner to pay me back. What a bunch of idiots.
Long story short I had a collector call me and talk shit over a hospital bill that was a workers comp. I asked where he was located and low and behold he was working 10 mins north of where I lived, SAME ROAD! I drove up there, went to the back door where some women were smoking, they let me in, went to the office front desk and yelled his name! A dude popped up and I yelled "come here!" Next thing I'm being drug into the office of his boss and the collector got fired....this was before 9/11 ...never will forget that
I don't get this. You drove to his work, which just miraculously happened to be on the same street you lived on? And then "Next thing I know, I'm being drug into the office of his boss". Someone drug you into an office, what, by your shirt collar? What did the Collector get fired for? Why wouldn't they just call the cops on you, the man trespassing on their property? You called his name for what, to fight him? What happened after you called his name, you left that part out. What kind of story is this.
So I got a speed ticket back in 2020, never paid it, never went to court. I got the debt collection letters a couple of months laters. Mom kept yelling at me to pay them, never paid them. I just ignored them. Thank you Debt Collectors for paying my Ticket 😂
1. Never acknowledge the debt. Make them prove it. 2. Look through thier paper work. If any of the info is wrong, you can often say it's not you and get out of it.
If you get a cancellation of debt 1099-C the IRS might tax you on the 5k unless you are able to do the extra tax form to calculate your assets to determine if you're insolvent in the first place. If you get a 1099-C, the IRS isn't intending on taxing those who really don't have no money. That's probably why you got the charge off in the first place. But if you have a nice net worth and you get charge offs, then the government definitely wants their money.
@carbonbomb4774 Nice. That likely doesn't apply to the debt collectors, though, because they usually have a tenuous claim on your debt. I'm really curious how that works now, because if no parties involved formally forgive the debt (bank sold it, so they don't forgive it, debt collector needs your cooperation so they don't forgive it, etc) and it simply goes unpaid, the tax liability is in indefinite limbo. Are debt collectors actually out here sending official notices of debt forgiveness to people they can't get to admit liability to a debt? Somehow I doubt that, but I've been wrong before, obviously.
@jeffwells641 No, it definitely works like that. I got $5k of unpaid line of credit from PayPal Synchrony from 2015. They gave me a small line of credit and kept raising my limit whenever I got close to maxing it out. After 3 years in Florida, if the creditor doesn't take you to court, they can't file a lawsuit to collect. In 2022, I got the 1099-C for the charge-off. This was never even on my credit.
They must prove they have made contact with the correct person and verify the debt with that person before they can pursue. Don't acknowledge who you are, and the problem can never start 😂
This, works like a charm, played with one she kept telling sir I can't tell you who I'm working for, I said oh your a debt collector huh? she's like I can't disclose that unless you are this person and I was like yup don't know him.
This works really well when coupled with the fact that FIRST you want to know the name of the caller and the organisation that they represent. They really really don't want to give away that they're a mere collection agency so once they start dancing around that... *click*
If you dont know your debt changes hands all the time. They sell it for pennies on the dollar, so anytime they get anything out of you its a big win for them
100%. If you do ever talk to them, which just don't, but if you do always make them prove that you actually owe that debt. Make them jump through every hoop they legally have to. It's not worth it for them to collect on a couple grand. They bought that debt for pennies on the dollar, so if they don't collect they dont lose much, and if they invest a bunch of effort it just adds to how much they are risking losing in the end. They rely on people like Joe who just get scared and pay up. Joe is too much of a sucker to realize he didn't even get an actual court date. The debt collector doesn't tell you when the court date is, that would come from the court itself. It was just another scare tactic.
Never admit that you actually owe the debt. It establishes that you know you're responsible for it. Most can be wiped off your credit report within 7 years, and medical debt should not affect your credit report. That being said, your credit will take a hit as it is passed from different collections agencies, but you can always ask for proof that you owe and what it's for. Due to HIPAA privacy laws, they are not given that information. Once it's established, it's for a medical reason, your credit should be restored. This is just my personal experience on a $12,000 debt that turned into a $17,000 debt by the end of the 7 years. My credit score has stayed in the 700s and even 800s except when it changed hands between collections agencies. So be diligent and do your own research on your specific situation in accordance with the state laws the debt is out of.
Joined a gym. They told me I get 2 free sessions with a personal Trainer when I signed up. So I set an appointment and the trainer canceled. Set up another appointment and the trainer didn't show up. This was only 6 days into my membership. So I told them I am canceling my membership. They said I would still have to pay for the year, I replied no I don't. We signed a contract and you broke the contract. So it is void. They didn't come after me for the rest of the year.... but they sold it to creditors. They tried a couple times and then nothing. 7 years later, I get a call and it a debt collector for the gym. I laughed. I told them the story and why I didn't pay it. I then told them I would never pay it just on principle! They could offer to wipe the several hundred dollar debt off my record and mark it as paid for just $5... and I STILL wouldn't pay it!! They hung up and I haven't heard from them since.
@@hulkslayer626 i did the same thing with at&t back when they had 2 year contracts. I immediately found out I had zero signal at home. So I said the contract was for a service I wasn't getting. They gave me a $400 early termination fee. I told them if I was a billionaire I wouldn't spend a penny out of principle. Never got called again, but it was on my credit for a long time.
Gyms suck. You can sign up to the gym with a freaking QR code or by just talking to a guy for 20 seconds, but you can't quit that way, no no no to quit you need to arrange an appointment with some douchebaggery graduate who will try to shame you into staying and making the whole process horrible. If I can sign up online, I should be able to quit online too.
I think it's possible that if you have them $5 you would be "admitting" to the debt and therefore on the hook for more/all of it. You did the right thing for sure 😊
Credit cards were meant to hook people into spending addictions. Tons of people have no discipline with their money and most have no idea what they are doing when they sign up for a high interest credit card...."But I get travel points babe!!!" Legit I had a friend who told me his wife picks the credit cards based on the perks and never notices the interest number. Cant fix stupid.
A girl I knew when we were like 19 got a card and racked up like $10,000 on the card in like a couple months. She had no idea that there was interest and thought she could just pay it back as she pleased.
I went off the deep end when one called, walked outside with my shotgun while saying I can't take this anymore. Fired the shotgun into the woods, dropped the phone without hanging up, and quietly went back inside.
I almost miss having the debt collectors call me. It's a nice stress relief to know that eventually someone is gonna call you who you can verbally abuse as much as you want.
@RobertWhittle-jo9iv That's not a debtors prison. Tax evasion is a criminal offense. Not paying a fine can land you in jail. But, you aren't sent to a debtor's prison. The fact is that there are no debtor's prisons in America. Not yet, anyway.
My mom was always in debt to Fingerhut after buying Christmas gifts almost every year. But she kept getting new accounts. Me mom’s been gone for 12 years. So I’d like to personally thank Fingerhut for all the memorable moments around the Christmas tree
@@ericvitale4647 na that's not entirely true. The clock will restart with some activity, like each time you talk or communicate with them or make a payment or do anything pertaining to the debt.
@@bccsivxx-xxivvii??? U gotta know what ur doing. Ur suppose to say "I have no recollection" and if it's on ur credit report after 7yrs u file a dispute and it disappears. I literally did this 3yrs ago then boosted my credit score to 700 😅
I had one call a couple weeks ago, they asked me to confirm my social security number. I just said I don't give that out over the phone and as they started to laugh I hung up.
The junk mail thing is real, even the government gets in on that shit. I registered for the draft in 2000, and started getting junk mail after cause they sold my address and name.
If they can garnish your wages, they will and if they can’t, they’ll just keep calling you. So you can set your cell phone now to just auto forward unknown numbers to your voicemail and you’ll never have to deal with it.
Exactly And actually I think in some cases “giving them something” even a dollar can reset the statute of limitations. You can’t pay back the money to the people you borrowed from. Once it’s defaulted it’s some scummy guys trying to profit off you. Let them try and garnish. Only in super rare situations where you can actually negotiate a cheap settlement that can fix your credit (which is super rare) is talking even worth the effort of saying hello.
I always say “Oh ya, I got that paperwork right here, let me put the phone down real quick, and grab that. I’ll be right back.” Then I would go outside and mow the lawn, go grocery shopping, take a shower, etc…😆😂🤣
What I've done was thank them for paying my debt and asked if they would like to pay anymore off for me. Never heard from them or anyone else ever again
I've had a debt collector be rude right from the start. I was like does this work for other people. Like you can't even try to scare me first you start off with all but calling me four letter words because I didn't want to pay something that I didn't even know about.
Tell the creditor you have every intention of paying but you are under financial hardship. Tell them that you are sending them a check that day when you talk to them, send them a check for the smallest amount you feasibly can. Repeat this process every couple of months when they call. As long as you make it clear you're not abandoning the debt they can't take you to court. If the checks you're writing are small enough they will eventually give up on collecting your debt, because they are spending more money to pay the employees that have to handle your case then they are making from your checks. You become a net loss for the company and they drop you
As someone who did debt collection bill is 100% right about how collectors work. Collection agencies will sell the leads to another agency when they no its a shit list and not going to pay. This goes on and on and on.
My buddy bought a house in a new development right before the housing crash. Eventually the unsold houses around him were literally selling for half of what he paid. On top of that, half the people in his neighborhood were defaulting on their mortgage. He calls up his mortgage company and says, "hey, I'm always paying on time in full, for a house that's worth half of what I mortgaged, and these other clowns aren't paying at all, what can you do for me?" They told him they can only help the people who can't afford to pay. So he literally stopped making payments, and bought the same exact house directly nextdoor for half the price. He knew he wasn't going anywhere for at least 8 years, and he didn't need credit for anything, so he could care less about his credit score. Mortgage company chased him for a few months, and his credit score didn't even take much of a hit. But it saved him about $150,000 in the end. Now he had a REALLY good paying job at the time, which ultimately ended up being for a fraudulent company that was one of the largest ponzi schemes in history, but that's a different story for another time.
@@chrisporter9397 Guy had legit business fronts with staff that was not involved. My friend just worked on their website programming. Eventually he got a better job and moved on. Then one night on the news he found out.
My buddy had a call from a collector, he told the collector he was broke, guy said "Just borrow some money" My buddy said " Yeah, from who??" Guy says "From anybody! Family, friends, whatever" My buddy said " From anybody ? How about you? You wanna lend me the money??" Collector said he's heard a lot but never heard that one!😊
I was pressured into paying a debt collector for fines i hadnt paid. They kept calling and sending letters. Last time they called i said "look, ive got an issue. I stored some diamonds up my ass and i cant seem to find them. Come over and help me retrieve the diamonds so i can trade them for cash and pay you guys. My ass smells a bit so you best get some air freshener". They havent called back😂
Be sure to check your state laws about debt. Georgia has a 6 year limitations on debt. Also never say you’re not going to pay. And never use your house or car as collateral. If you only have credit debt then there is no obligation to pay it back technically. It’s a non consolidated debt. Or file chapter 7. Just my opinions
"You bought my debt? What the hell you do that for?" exactly right! I had one of those shitty pay-day loan debts in the U.K., and if you can't pay it for 6 years it gets written off. But when this deadline approached, a debt collection company bought it and effectively reset the clock, because I owe them now or some bullshit. I treated it like they didn't buy it, but payed it off for me without me asking, thanked them for their generosity, then kept telling them I never heard of their company and never took out a loan from them and they don't have my signiture on shit. They stopped calling. 6 six years I'll rinse and repeat.
I like how the two guys are drawn, even though there's enough images of them that they could animate it frame-by-frame, but the callers get like stock model photos or something.
😂i was told that "they" were waiting at the courthouse,where i live. If i didnt get there soon... i said... i'd be there and hoped they'de be there too. Never heard anything after that.
I owed someone $5000 for a junk car that got repo'd. The third debt collector that bought it 5 years later called me and i said "look i don't know what you're talking about, but if it clears things up, I'll send you $250. I have $250, and it can be yours if we can put this behind us. Otherwise, i dont really care." They didn't want the $250 and now its been like 10 years amd its not even on my credit hostory.
Think about this. When a company that is not related to the original company you owe the debt to under the original companies contract you signed buys the debt from the original company, the contract from the original company have now been paid for and fulfilled. This negates the contract as the original company did in fact get paid for that contract. The amount does not matter. The contract is fullfilled and void now. The new company legally has no right to collect anything from you as there is no contract or agreement on this supposed debt with the new company. Your agreement was paid for by the new company and fulfilled the only contract or agreement you had with the original company.
In my early 20s, I had calls from the Student Loan Finance Corporation. The representative assigned to my account used the name Mr. Dobbs. No first name, just a pretentious "Mister" thrown in there as if he was some sort of authority figure. I was sometimes behind on my payments and he would call and leave a message. I eventually paid it off and one day on a whim called their number and asked to talk to Mr. Dobbs. He told me my account was paid off and I didn't owe anything. I said I knew that, I just wanted to call him up and see how things were going there. He told me not to call anymore. I had a collector ask me to not call him anymore.
Years ago I didn't know how to handle finances. Got a call from a debt collector, had my girlfriend answer and lie and say I wasn't home. The collector said "I know he's sitting next to you..." that freaked me out. I still didn't pay.
Lots of places have their own 'in house' debt collection as well. It may seem like it's totally independent of the original creditor, but it may not be...yet. And when the original creditor sells off the debt, they do so 'for pennies on the dollar'. They take a loss that they can use to offset their own taxes. The other business that buys the debt is just making an investment. They get the legal right to bill the debtor for the full balance, in exchange for some percentage of the face value of the debt. After they try for awhile to collect, they'll get a better feel for what the debtor's situation is, and then throw them into another package that they'll sell off to some other collection agency. And that's where it gets interesting. Because if they 'rehabilitate' the debt into a paying status, they can sell it off to another higher tier collection agency for a better price. The only thing that's good about this way of doing things, as I see it, is that it does keep a lot of the cases from clogging up the courts.
Have you ever had a debt collector call you? 🤔 How did it go? Did you pay them? 👇🏻
When I was 18 I activated 3 credit cards and another that you could order electronics used up the money. Got tons of calls never answered any of them. They never did anything and I never used a credit card ever since.
Back in 2007, give or take, I lost my job during the fucked up economy then. On top of that, nobody would give me a job because they said I was too old. So then, the credit card collectors started nagging the hell out of me. Here's what I did. I forwarded all my phone calls, from 7 AM until 9 PM, every day, for 3 years, to the White House. I figured, if the politicians fucked up the economy, let them deal with the collectors. My friends still piss themselves laughing over that one.
I answered the first one and told them I’d make a $150 payment 👳🏾♂️
I Never did
Now I ignore their calls
And my Credit Score looks more like my Golf Score
⛳️
I thank them for paying my debt. I had a contract with the other company, not them. Good luck collecting.
It was a bill for a lab test company and i eventually parlayed the entire 25 prank call into me paying them in urine. Now every time they call I just say "yeah I can pay you in piss" and she says " sir we don't collect urine as payment" and then I go "well that's all i got you want my piss?" And then they hang up lol. The calls have definitely subsided.
I remember saying something along the line of, "maybe you shouldn't have given a credit card with cash advance to a 19 year old drug addict."
😅😂
😂😂😂😂😂😂😂
I’ve used that one, and I was legit angry like “what the actual heck is wrong with you people!” And tried to blame them saying they created my drug habit 😂
@prsee5969 Nice! I should send them a bill for my stays in rehab. 🤣
Real. I remember my first day of college, all the banks had little tables offering credit lines. Its evil.
"We bought your debt from (insert company)"
Oh hey, thank you. One less thing for me to worry about.
What works best is billing them for the call. For the amount of the debt. Perfectly legal.
“That was so nice of you! Thanks for taking care of my debt for me!”
@@nospoon4799 9000 IQ strategy, I have to remember that.
Look up the “Fair Debt Collection Practices Act.”
I dealt with a debt collector a number of years ago and when I looked into it, I found this Supreme Court case. These debt collectors bank on peoples ignorance of the rights they have, and all of the steps necessary to legally collect the debt from you, namely:
● What the money you say I owe is for;
● Explain and show me how you calculated what you say I owe;
● Provide me with copies of any papers that show I agreed to pay what you say I
owe;
● Provide a verification or copy of any judgment if applicable;
● Identify the original creditor;
● Prove the Statute of Limitations has not expired on this account;
● Show me that you are licensed to collect in my state; and
● Provide me with your license numbers and Registered Agent.
These debts are bought and sold for cents on the dollar, which is why they are always so eager to settle. Buying a $1000 debt for $10, settling for $500 is still a profit. Often it’s not worth doing all that work to collect on the debt. You also have the ability to stop ALL communication other than snail mail, and should they threaten you with legal action or altering your credit score, you can actually sue them for:
● Violation of the Fair Credit Reporting Act
● Violation of the Fair Debt Collection Practices Act
● Defamation of Character
I wrote a letter with all this information, sent it certified mail, return receipt, and two weeks later I got a letter saying they nullified the debt.
Stay frosty, people.
All companies bank on people's ignorance. Politicians too.
This is mostly nonsense and just sounds like The sovereign citizens guide to getting out of debt. The truth is collectors will usually have all of this information readily available and they are under no obligation to provide All of this to you. If you wish to contest the validity of the debt they'll simply see you in court and let the judge decide. Your best solution with dealing with creditors is to either ignore them entirely, tell them that you refuse to pay and hope that they just give up, or declare bankruptcy if they actually sue you.
Just the fact that predatory loan outfits and debt collectors even exist at all tells us everything we [should] need to know about capitalism :/
@@lifeunderthestarstv Yep! Welcome to capitalism!
@@ticenits1926 Then I'm under no obligation to pay their made up debts ;)
You guys actually ANSWER your phones ☎️ 😂
They will just keep calling otherwise. Just prank call them and they won't call you anymore. I was on the phone for 25 minutes talking blood work, piss and everything it was great. It was for quest diagnostics.
@@Alan-ii9te i either block the numbers or if i do answer i just play "never gonna give you up" into my phone
Exactly.
We Always answered the phone
On SPEAKER at the house with my boys...
The one who had the best bit that day, drank for free that nite.
GOOD TIMES @ 22nd St.
I just tell them I’m underage.
The other day a creditor called me and I thought it was a spam call and immediately said “take me off your list.” She responded saying she was a creditor and I quickly said “yeah take me off your list. “ I was really high so it didn’t register what she said. She paused for a while and said ok and we hung up. That might work… haha
lol😂
🤣🤣🤣🤣🤣🤣
👍
LOL I'm gonna try "UNSUBSCRIBE" next time. Thanks for the idea! 😂
Everytime they’d call, I’d try to pitch them a timeshare in Tennessee. Lol
nice
That is awesome.
Doing that next time for real
Paula's pizza plus planned parenthood, fetus today feeding us tomorrow. With any order of a large pizza, you get to try our new embryo éclairs.
@@pocket5751 Sign up for their rewards program and get a free Plasagnga.
When my stepfather died, we got a call from a debt collector. I told him that my stepfather's debt died with him and hung up. Never heard from them again.
I would have told them to sue him...
It doesn't die with him, unless he was broke. If he had any assets and had died within the last couple of years, I wouldn't have told them he was dead. Then they know and can go after his estate.
@@bccsivxx-xxivvii it died with him that day.
@@Ken19700 yes it died with him. RIP Pops and go to hell debt collectors!
Those soulless beasts probably burned candles and had a sue-ance😅. Some real Jamaican voodoo involved in that crap. If you find a dead crow in your basement you know they are coming for you. LOL
No debt collector can give you a court date, you get that from the court and it wouldn't be on the same phone call so you got scammed.
They have to send a letter, or have it served.
Work at a firm, yes they can. They send a copy of the requested court date to the court and a cc to you so you are aware of it.
@@fire_towerno, they can’t. They can’t take you to court for this at all
It's not a scam if you really did owe the debt. You were lied to, which motivated you to pay back your debt. That's not a scam as it's not a crime to lie. It's a crime to lie resulting in a fradulent transfer of funds... but as already stated, you DID owe the debt, so it's not fraud.
I was 19, and a creditor called the house and got my mom. She burst into tears and told them I had died. 🤣
10 years later, for other reasons, I was having to file for bankruptcy. While going through all the stuff, because you claim everything you can, on the list was one old bill that had me listed as "closed - charged off / deceased". 🤣🤣🤣
Damn you're mother is a real one
I had one call me and i pretended to be depressed. I told him i was just going to end it all. He got so scared and told me he loved me. Then i walked out on my porch and shot a round into the ground and dropped my phone. All he said was oh no and he hung up. They never called back.
Genius
I don't buy the second half of this story, but in case it's real I just want to say that's a really shitty thing to do to someone.
Sure, the company for whom they work might be shady (or it might just be a company trying to get paid on a debt just like you would if someone owed you). In an ideal world a decent person shouldn't choose to work for or represent them if the former is true. In reality, though, the person you are talking to is just some random person trying his best to feed himself and his family making 12 bucks an hour. The fact they told you they loved you just reinforces they probably aren't a bad person, just someone getting by. To put that on them is far worse than anything they or that company did to you.
Kinda greasy, bruv...
@@aethere4l They work as a debt collector. I have no sympathy for them. They could do anything in life, they could be flipping burgers and it would be infinitely more respectable. If they thought the job they where doing lead someone to kill themselves they would blame the job not themselves. Just like you're trying to separate the worker from the company, that worker didn't do it the company did. The worker was just doing their job. Telling a stranger you love them to try and stop them from killing themselves doesn't show they're a good person it shows they didn't want to feel responsible for it. Not wanting to be responsible for another person killing themselves doesn't automatically make you a good person it makes you an average person.
And all this saying you don't even believe it's real? get off your high horse.
@toolittletoolate I'm not on a high horse because the story doesn't sound real. I didn't say it wasn't, just that it didn't sound as such to me.
Your comment reeks of privilege, as if you've never been hungry or desperate enough to do a job you didn't have respect for. Many people are just trying to survive.
Also, debt collection isn't inherently evil. They are calling people that borrowed money and failed to repay. They (the company) have every right to attempt to legally and ethically collect on that debt.
Some debt collectors are unethical. Some do things that are illegal. Some are despicable. Many are not. To assume that all companies and all people in their employ are degenerates is a childish take from someone who clearly never learned to take accountability for their own choices.
Worth noting that I say this as someone who has tangled a bit with dishonest debt collectors. That have called employers claiming to be someone else, called family members repeatedly, and otherwise harassed me. I have experienced the other side of this but can still see the humanity and still understand that I needed to take accountability for my own actions as well.
In court;
Debt collector: you owe me money
Me: i never met this man in my life
I'd been dealing with a debt collector recently who has called me maybe 60 times in the last 4 months. They call from at least a dozen different phone numbers and they won't leave me the hell alone even after directing them multiple times to never call me again. One day I had finally had enough of it and decided that if they get to call me all day from multiple phone number, then I get to call them all day from multiple phone numbers. And that's what I did. I spent at least 3 days calling them constantly. From open to close. I would call them and stay silent. Sometimes I would call and just play loud music. Other times, I would call them and then add a call to the call just to call them again and repeated that step until I had at least five of them on the phone at once and either stayed silent or played loud music. Once they blocked my phone number, I then downloaded an app that gave me five new phone numbers. I then start calling them from those numbers doing the same thing until they blocked all of them too.
To bad you didnt automate it
That's a lot of effort just to be petty when you could've just put yourself on a Do Not Call List instead :/
@@3nertia what can I say, I enjoy being petty 🤷🏾♂️
@@01man01truck And we wonder what is wrong with the world - a world where people put more effort into being petty than they do into actually being useful to society ...
@@3nertia yeah my 13 year career of being a truck driver is super useless and lower effort than a day making phone calls. You nailed it, bro. Well done.
I had a creditor try to get my address. I told them I was homeless and nothing else. She sat there for 5 minutes trying to think of what to do.
hell yea
😂 I'm surprised she didn't keep pushing it, like, "Well, is there a certain dumpster or alley you typically like to hang out in? We could have someone meet you.."
@clinicaltranscription1190 If she did keep pushing it, I would have turned it around on her. "How much do I owe? Oh yeah? Well, if you have any spare change, can you put it on my bill?"
@@mattscheible6071 🤣
the banks got bailed out to the tune of 16 trillion, screw these people
I tell them 1 sec, let me stick you on hold. Then put them on hold and go about my day.
This is generally a good strategy for anyone calling you unwanted. I don't even put them on hold... I just answer the phone and don't say anything but continue typing away, or cooking or whatever... All you hear is the muffled "hello sir? Hello sir, can you hear me?..." Eventually they hang up... And after a few times they stop calling. If you don't answer at all, I think it's just a robo-dialler... But answering wastes their time.
I had a colleague that was in his 30's. He was 30'000 in debt from a little addiction from his 20's. 10 yrs of paying the debt & the total never changed. He lived in an apartment, & didn't even have a car!
I told him, why don't you file for bankruptcy?
The debt was eradicated immediately, & 4 yrs later he bought a house & a car!
Don't forget how they were cramming credit cards on you as soon as you turned 18?
He was so grateful, & turned his life around 🙏.
Ah, the good old days when filing bankruptcy made most every kind of debt disappear. Doesn't work like that anymore sadly.
I had tons of debt in my 20’s all I did was never respond or pay a single penny towards it and it all went away 7 years later. 😂
Along with your credit score 😂
@zakkmiller8242 It stops off after 7 years, so long as he maintained good credit habits after the debt, his credit was fine after 7 years. Perhaps not an 820 right away, but mid 700's no problem.
@jeffwells641 debt does not fall off. Idk where yall are hearing this shit but you need to ignore it. Pay the debt off and build credit. Play the game or you'll be stuck at the bottom.
@@zakkmiller8242 Try reading the Fair Credit Reporting Act sometime, and maybe don't be so confident when you know absolutely nothing about what you're talking about.
Almost every type of debt CANNOT BE REPORTED after 7 years. The exceptions are Chapter 7 bankruptcy, which has a limit of 10 years, and student loans which are either indefinite, or 7 years from the last date paid, depending.
Also, the older the mark, the less influence it has on your credit. This is what it means for debt to "fall off" your credit report.
OBVIOUSLY it's better to never get a negative mark. If you can do this, you should. 7 years is a long time to have shitty credit, and you're only going to have great credit after 7 years if you were otherwise perfect - most people who have a major credit hit do not go 7 years with no other negative marks.
However, sometimes life bends you over and reams you right up the poop chute, and there's nothing you can do to avoid it. If you're 20 years old with $80k in medical debt, there's a snowball's chance in hell that you're going to pay that debt off in 7 years. You can EASILY do more damage to your credit trying and failing to pay off that debt than if you just wrote it off, took the credit hit, and came out the other side 7 years later with a clean credit record.
I always assumed I had bad credit cause in my 20s I walked away from a 1000 credit card. Ten years later I check credit karma and I got a 726! I still don’t use credit but who knew.
Had a creditor call me trying to collect on my girlfriend’s parking ticket debt. My father co-signed for her car so they had a little bit of his info too, but they mixed everything up. They called my phone, called me by my father’s name and they told me her car info and her SSN to “prove” they had the right person. They then proceeded to try to pressure me into paying her tickets. I knew it was her tickets because she told me the amount she owed on her tickets and it perfectly matched the amount they were trying to collect. I kept telling them they had all the details wrong and it was not my debt and they got really sarcastic and rude with me so I started talking all kinds of shit about how terrible they were at their jobs and how they had almost every detail about their collection wrong and how since it wasn’t my debt they could S my D and I would never have to pay them a cent. So annoying when someone is so insanely wrong and yet so confident in their ignorance.
I worked at a country club bar and a debt collector called wanting to talk with the owner. I told them that the owner was almost never there. They asked me if I trusted the owner and if I got paid on time. I said yes and then they attempted to take my money because I would trust the owner to pay me back. What a bunch of idiots.
Long story short I had a collector call me and talk shit over a hospital bill that was a workers comp. I asked where he was located and low and behold he was working 10 mins north of where I lived, SAME ROAD! I drove up there, went to the back door where some women were smoking, they let me in, went to the office front desk and yelled his name! A dude popped up and I yelled "come here!" Next thing I'm being drug into the office of his boss and the collector got fired....this was before 9/11 ...never will forget that
Super mature.
Well done, Bill would approve.
The collector was fired?
You got greedy with your bullshit story.
I don't get this. You drove to his work, which just miraculously happened to be on the same street you lived on? And then "Next thing I know, I'm being drug into the office of his boss". Someone drug you into an office, what, by your shirt collar? What did the Collector get fired for? Why wouldn't they just call the cops on you, the man trespassing on their property? You called his name for what, to fight him? What happened after you called his name, you left that part out. What kind of story is this.
@@facerip2222 A fake one.
So I got a speed ticket back in 2020, never paid it, never went to court. I got the debt collection letters a couple of months laters. Mom kept yelling at me to pay them, never paid them. I just ignored them. Thank you Debt Collectors for paying my Ticket 😂
The gov doesn't just send your tickets to debt collection... they suspend your licence until it has been paid.
1. Never acknowledge the debt.
Make them prove it.
2. Look through thier paper work. If any of the info is wrong, you can often say it's not you and get out of it.
If you get out of $10K for $5K the IRS counts the other $5K as income.
Highly doubt it. Got the regulation?
If you get a cancellation of debt 1099-C the IRS might tax you on the 5k unless you are able to do the extra tax form to calculate your assets to determine if you're insolvent in the first place. If you get a 1099-C, the IRS isn't intending on taxing those who really don't have no money. That's probably why you got the charge off in the first place. But if you have a nice net worth and you get charge offs, then the government definitely wants their money.
@carbonbomb4774 Nice. That likely doesn't apply to the debt collectors, though, because they usually have a tenuous claim on your debt. I'm really curious how that works now, because if no parties involved formally forgive the debt (bank sold it, so they don't forgive it, debt collector needs your cooperation so they don't forgive it, etc) and it simply goes unpaid, the tax liability is in indefinite limbo. Are debt collectors actually out here sending official notices of debt forgiveness to people they can't get to admit liability to a debt? Somehow I doubt that, but I've been wrong before, obviously.
@jeffwells641 No, it definitely works like that. I got $5k of unpaid line of credit from PayPal Synchrony from 2015. They gave me a small line of credit and kept raising my limit whenever I got close to maxing it out. After 3 years in Florida, if the creditor doesn't take you to court, they can't file a lawsuit to collect. In 2022, I got the 1099-C for the charge-off. This was never even on my credit.
Yessss thank you!!!!
They must prove they have made contact with the correct person and verify the debt with that person before they can pursue. Don't acknowledge who you are, and the problem can never start 😂
This, works like a charm, played with one she kept telling sir I can't tell you who I'm working for, I said oh your a debt collector huh? she's like I can't disclose that unless you are this person and I was like yup don't know him.
This works really well when coupled with the fact that FIRST you want to know the name of the caller and the organisation that they represent. They really really don't want to give away that they're a mere collection agency so once they start dancing around that... *click*
Yo! Exactly! They asked "Can I have your name please?". I just bluntly responded "No." He continued to push until he got frustrated and hung up :D
I started Speaking Spanish if they Knew Spanish ill speak Alien🤣
Is that a PS3 avatar as your profile picture?
@@TheEarmantraut Yes. God of War
If you dont know your debt changes hands all the time. They sell it for pennies on the dollar, so anytime they get anything out of you its a big win for them
You don't ever agree to the debt. That's how they got Him.
100%. If you do ever talk to them, which just don't, but if you do always make them prove that you actually owe that debt. Make them jump through every hoop they legally have to.
It's not worth it for them to collect on a couple grand. They bought that debt for pennies on the dollar, so if they don't collect they dont lose much, and if they invest a bunch of effort it just adds to how much they are risking losing in the end.
They rely on people like Joe who just get scared and pay up. Joe is too much of a sucker to realize he didn't even get an actual court date. The debt collector doesn't tell you when the court date is, that would come from the court itself. It was just another scare tactic.
Never admit that you actually owe the debt. It establishes that you know you're responsible for it. Most can be wiped off your credit report within 7 years, and medical debt should not affect your credit report. That being said, your credit will take a hit as it is passed from different collections agencies, but you can always ask for proof that you owe and what it's for. Due to HIPAA privacy laws, they are not given that information. Once it's established, it's for a medical reason, your credit should be restored. This is just my personal experience on a $12,000 debt that turned into a $17,000 debt by the end of the 7 years. My credit score has stayed in the 700s and even 800s except when it changed hands between collections agencies. So be diligent and do your own research on your specific situation in accordance with the state laws the debt is out of.
Joined a gym. They told me I get 2 free sessions with a personal Trainer when I signed up. So I set an appointment and the trainer canceled. Set up another appointment and the trainer didn't show up. This was only 6 days into my membership. So I told them I am canceling my membership. They said I would still have to pay for the year, I replied no I don't. We signed a contract and you broke the contract. So it is void. They didn't come after me for the rest of the year.... but they sold it to creditors. They tried a couple times and then nothing. 7 years later, I get a call and it a debt collector for the gym. I laughed. I told them the story and why I didn't pay it. I then told them I would never pay it just on principle! They could offer to wipe the several hundred dollar debt off my record and mark it as paid for just $5... and I STILL wouldn't pay it!! They hung up and I haven't heard from them since.
Gyms are the worst.
7 years will wipe it off anyways, as long as there is no activity
@@hulkslayer626 i did the same thing with at&t back when they had 2 year contracts. I immediately found out I had zero signal at home. So I said the contract was for a service I wasn't getting. They gave me a $400 early termination fee. I told them if I was a billionaire I wouldn't spend a penny out of principle. Never got called again, but it was on my credit for a long time.
Gyms suck. You can sign up to the gym with a freaking QR code or by just talking to a guy for 20 seconds, but you can't quit that way, no no no to quit you need to arrange an appointment with some douchebaggery graduate who will try to shame you into staying and making the whole process horrible.
If I can sign up online, I should be able to quit online too.
I think it's possible that if you have them $5 you would be "admitting" to the debt and therefore on the hook for more/all of it. You did the right thing for sure 😊
Credit cards were meant to hook people into spending addictions. Tons of people have no discipline with their money and most have no idea what they are doing when they sign up for a high interest credit card...."But I get travel points babe!!!" Legit I had a friend who told me his wife picks the credit cards based on the perks and never notices the interest number. Cant fix stupid.
A girl I knew when we were like 19 got a card and racked up like $10,000 on the card in like a couple months. She had no idea that there was interest and thought she could just pay it back as she pleased.
I pick cards just for the perks too. The interest rate doesn't matter if you pay it off every month.
I went off the deep end when one called, walked outside with my shotgun while saying I can't take this anymore. Fired the shotgun into the woods, dropped the phone without hanging up, and quietly went back inside.
holy shit 😂
I came here exclusively for the comments. You all are really helping me out with all the tips and tricks. Thanks.
I almost miss having the debt collectors call me. It's a nice stress relief to know that eventually someone is gonna call you who you can verbally abuse as much as you want.
There is no debtors' prison in America. That's all you need to know.
@RobertWhittle-jo9iv That's not a debtors prison. Tax evasion is a criminal offense. Not paying a fine can land you in jail. But, you aren't sent to a debtor's prison. The fact is that there are no debtor's prisons in America. Not yet, anyway.
@RobertWhittle-jo9ivOf course, you can believe whatever you want. I am done here.
@RobertWhittle-jo9iv I 'll leave the ball for you. You could use at least one.
@RobertWhittle-jo9iv Debtors' prisons were abolished by Congress in 1833 and are thought to be a relic of the Dickensian past.
Stop paying child support and see where you end up.
She's half swede half norge with Garcia as a last name, that right there is gold! LOL
My mom was always in debt to Fingerhut after buying Christmas gifts almost every year. But she kept getting new accounts. Me mom’s been gone for 12 years. So I’d like to personally thank Fingerhut for all the memorable moments around the Christmas tree
Uninformed Radio was some of the greatest content I’ve ever heard
"we bought your debt"
"Oh wow, that was smart. I had a contract with them, i dont Even know who you are"
it disappears after 7 years anyways. never pay. 🍻
Unfortunately, they have the ability to resell your debt, and the clock starts again.
Those are the guys coming in hot. The new debt fellas. Sucks.
You’re a thief
@@ericvitale4647 na that's not entirely true. The clock will restart with some activity, like each time you talk or communicate with them or make a payment or do anything pertaining to the debt.
Not me brotha. I’m fighting the same war.
@@bccsivxx-xxivvii??? U gotta know what ur doing. Ur suppose to say "I have no recollection" and if it's on ur credit report after 7yrs u file a dispute and it disappears. I literally did this 3yrs ago then boosted my credit score to 700 😅
How he got hung up on, got mad and called them back is exactly like that Key and Peele sketch.
9:30 lol she was funny "Yeah Navel" they didn't even hear her
I had one call me about a card debt I told them there is a disability clause on the card. I’m now 100% disabled. Sorry about your luck.
Send them a check for $20 and put paid in full on the memo!
I had one call a couple weeks ago, they asked me to confirm my social security number. I just said I don't give that out over the phone and as they started to laugh I hung up.
This was enlightening. Thanks
I once owed 7k and told them i only had 700. To this day, i regret paying the 700.
These two together are perfection!!
middle of nowhere texas is the least racist. the only areas i have to deal with racist stuff is college towns especially austin
No one cares
The 2 "comedians" seemed to care
Creditor: "We're taking you to court"
Me: "Ok then. As soon as I'm served I'll have a lawyer contact you"
3:18 is spot on BTW. I worked with a lawyer and that’s exactly what they said
I straight up laughed at them and he threatened to escalate things, I just said "do it, I got no money anyway, that won't change".
The junk mail thing is real, even the government gets in on that shit. I registered for the draft in 2000, and started getting junk mail after cause they sold my address and name.
I've used the "I didn't pay them. What makes you think im gonna pay you guys?" line before lol
I love how this random debt collector calls in and just spills the beans. 🤣
If they can garnish your wages, they will and if they can’t, they’ll just keep calling you. So you can set your cell phone now to just auto forward unknown numbers to your voicemail and you’ll never have to deal with it.
Exactly
And actually I think in some cases “giving them something” even a dollar can reset the statute of limitations.
You can’t pay back the money to the people you borrowed from. Once it’s defaulted it’s some scummy guys trying to profit off you. Let them try and garnish.
Only in super rare situations where you can actually negotiate a cheap settlement that can fix your credit (which is super rare) is talking even worth the effort of saying hello.
I always say “Oh ya, I got that paperwork right here, let me put the phone down real quick, and grab that. I’ll be right back.” Then I would go outside and mow the lawn, go grocery shopping, take a shower, etc…😆😂🤣
What I've done was thank them for paying my debt and asked if they would like to pay anymore off for me. Never heard from them or anyone else ever again
Getting a credit card and spending a bunch of money with no intention of paying it back,
It's exactly how the U.S. economy works.
Yeah, even our government is trillions of dollars in debt, no one's hands are clean here.
Bro that orange video joke is too funny 😂
I've had a debt collector be rude right from the start.
I was like does this work for other people.
Like you can't even try to scare me first you start off with all but calling me four letter words because I didn't want to pay something that I didn't even know about.
Lines that worked for me pre internet: I never did business with you, this is harassment, I smell a class action suit.
Bills stick figure is funny as hell 😂
How old is this?
That final caller had me in tears of laughter 😂
"We've bought your debt and are collecting it now"
"OH thanks for that" *click*
Tell the creditor you have every intention of paying but you are under financial hardship. Tell them that you are sending them a check that day when you talk to them, send them a check for the smallest amount you feasibly can. Repeat this process every couple of months when they call. As long as you make it clear you're not abandoning the debt they can't take you to court. If the checks you're writing are small enough they will eventually give up on collecting your debt, because they are spending more money to pay the employees that have to handle your case then they are making from your checks. You become a net loss for the company and they drop you
As someone who did debt collection bill is 100% right about how collectors work. Collection agencies will sell the leads to another agency when they no its a shit list and not going to pay. This goes on and on and on.
Goto the court. Most times they don't even show up. You can argue it easily.
I wish I saw this live. I coulda shared my stories.
My buddy bought a house in a new development right before the housing crash. Eventually the unsold houses around him were literally selling for half of what he paid. On top of that, half the people in his neighborhood were defaulting on their mortgage. He calls up his mortgage company and says, "hey, I'm always paying on time in full, for a house that's worth half of what I mortgaged, and these other clowns aren't paying at all, what can you do for me?" They told him they can only help the people who can't afford to pay. So he literally stopped making payments, and bought the same exact house directly nextdoor for half the price. He knew he wasn't going anywhere for at least 8 years, and he didn't need credit for anything, so he could care less about his credit score. Mortgage company chased him for a few months, and his credit score didn't even take much of a hit. But it saved him about $150,000 in the end. Now he had a REALLY good paying job at the time, which ultimately ended up being for a fraudulent company that was one of the largest ponzi schemes in history, but that's a different story for another time.
Is your friend SBF?
@@chrisporter9397 Guy had legit business fronts with staff that was not involved. My friend just worked on their website programming. Eventually he got a better job and moved on. Then one night on the news he found out.
My buddy had a call from a collector, he told the collector he was broke, guy said "Just borrow some money" My buddy said " Yeah, from who??" Guy says "From anybody! Family, friends, whatever" My buddy said " From anybody ? How about you? You wanna lend me the money??" Collector said he's heard a lot but never heard that one!😊
I was pressured into paying a debt collector for fines i hadnt paid. They kept calling and sending letters. Last time they called i said "look, ive got an issue. I stored some diamonds up my ass and i cant seem to find them. Come over and help me retrieve the diamonds so i can trade them for cash and pay you guys. My ass smells a bit so you best get some air freshener". They havent called back😂
Debt collectors are the scum of the earth. Remember they paid 5 or 10 cents on the dollar at most for your debt. Act accordingly.
Mine was, "you know usury is a sin in the Bible, right?"
Bill was thinking of Vidor TX
Bill is talking about Jasper TX.
Be sure to check your state laws about debt. Georgia has a 6 year limitations on debt. Also never say you’re not going to pay. And never use your house or car as collateral. If you only have credit debt then there is no obligation to pay it back technically. It’s a non consolidated debt. Or file chapter 7. Just my opinions
"You bought my debt? What the hell you do that for?" exactly right!
I had one of those shitty pay-day loan debts in the U.K., and if you can't pay it for 6 years it gets written off. But when this deadline approached, a debt collection company bought it and effectively reset the clock, because I owe them now or some bullshit. I treated it like they didn't buy it, but payed it off for me without me asking, thanked them for their generosity, then kept telling them I never heard of their company and never took out a loan from them and they don't have my signiture on shit. They stopped calling. 6 six years I'll rinse and repeat.
They got me with the taking me to court thing 😂
Step 1 - never admit to the debt or acknowledge it's existence
Haven't answered my phone for 15 years except (sometimes) friends and family. Makes life so much easier.
I like how the two guys are drawn, even though there's enough images of them that they could animate it frame-by-frame, but the callers get like stock model photos or something.
😂i was told that "they" were waiting at the courthouse,where i live. If i didnt get there soon... i said... i'd be there and hoped they'de be there too. Never heard anything after that.
I owed someone $5000 for a junk car that got repo'd. The third debt collector that bought it 5 years later called me and i said "look i don't know what you're talking about, but if it clears things up, I'll send you $250. I have $250, and it can be yours if we can put this behind us. Otherwise, i dont really care." They didn't want the $250 and now its been like 10 years amd its not even on my credit hostory.
Bruh that last one has me dying 😂 🤣
Think about this. When a company that is not related to the original company you owe the debt to under the original companies contract you signed buys the debt from the original company, the contract from the original company have now been paid for and fulfilled. This negates the contract as the original company did in fact get paid for that contract. The amount does not matter. The contract is fullfilled and void now. The new company legally has no right to collect anything from you as there is no contract or agreement on this supposed debt with the new company. Your agreement was paid for by the new company and fulfilled the only contract or agreement you had with the original company.
The drag behind the truck incident was in Jasper, Tx.
In my early 20s, I had calls from the Student Loan Finance Corporation. The representative assigned to my account used the name Mr. Dobbs. No first name, just a pretentious "Mister" thrown in there as if he was some sort of authority figure. I was sometimes behind on my payments and he would call and leave a message. I eventually paid it off and one day on a whim called their number and asked to talk to Mr. Dobbs. He told me my account was paid off and I didn't owe anything. I said I knew that, I just wanted to call him up and see how things were going there. He told me not to call anymore.
I had a collector ask me to not call him anymore.
After like 25 years I'm finally totally debt free... This video makes me want to go back into debt just so I can have this kind of fun😄😄😄
Wow. He does the exact same thing I do with them. A call from debt collectors is an opportunity to have some fun!
They call back 😂😂😂😂
Years ago I didn't know how to handle finances. Got a call from a debt collector, had my girlfriend answer and lie and say I wasn't home. The collector said "I know he's sitting next to you..." that freaked me out. I still didn't pay.
“You see the fun you could have had Joe ?” Lmao
I’m weak laughing 😂😂😂😂😂😂😂😂😂😂😂😂😂
This makes me want to go get in some debt just so I can not pay it and fuk with creditors.
The man with the plan.
I’ve done it multiple times in my life. Still doing great lol
Don't EVER do that.
2:05 LOL OMG I dont have time for that!
Lots of places have their own 'in house' debt collection as well. It may seem like it's totally independent of the original creditor, but it may not be...yet. And when the original creditor sells off the debt, they do so 'for pennies on the dollar'. They take a loss that they can use to offset their own taxes. The other business that buys the debt is just making an investment. They get the legal right to bill the debtor for the full balance, in exchange for some percentage of the face value of the debt. After they try for awhile to collect, they'll get a better feel for what the debtor's situation is, and then throw them into another package that they'll sell off to some other collection agency. And that's where it gets interesting. Because if they 'rehabilitate' the debt into a paying status, they can sell it off to another higher tier collection agency for a better price. The only thing that's good about this way of doing things, as I see it, is that it does keep a lot of the cases from clogging up the courts.
I’ve never thought of playing around with a debt collector but I do play around with scammers.
16:40 is this guy skateboarding while calling in?
These guys are so soft they literally think all of Texas outside of Austin is a hell-hole.
It is quite funny how the "offensive" comedians broke down over a word
Love your outro