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Old August 13th, 2009, 01:09 PM   #1
fatboy21
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Default Collection agency

If this is in the wrong forum please move.

I just got a call from a collection agency about my student loan and the lady started yelling at me because I can't pay it and that they were going to sue me over it. She asked what my more important bills were I told he my cell phone and before I could get out that we don't have a home phone so there is no other way for a employer to get ahold of me at she flipped a shit and just blew up on me and started saying "you live with mommy and daddy get mommy and daddy to pay for it!" In return I said " I don't know about your's but my parents have their own bills and I actually have been helping them out cause they are struggling to." then FINALLY after like 10 minutes of back and forth with this bitch her manager jumps on the phone and talks to me. I asked him how he can be in business if he hires people like that. Long story short don't yell at people if you want money from them.

Also I heard that it is illegal for them to tell me they are going to sue me over it. Is this still true?
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Old August 13th, 2009, 01:18 PM   #2
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Tell em that you do not have any money right now but if and when you get some you may send them what you can, and then tell them, but if I receive any more phones calls like the last one you will file bankrupt. That should shut em up
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Old August 13th, 2009, 01:18 PM   #3
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It is illegal for them to yell, harass, threaten, and threaten to sue.

Google "Fair debt collection act"

I believe the FTC has a form you can fill out online even
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Old August 13th, 2009, 01:21 PM   #4
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The only problem I might have with that is I did about halfway through her mommy and daddy rant I did tell her to fukc off lol. I got a little heated
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Old August 13th, 2009, 01:31 PM   #5
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Quote:
Originally Posted by fatboy21 View Post
The only problem I might have with that is I did about halfway through her mommy and daddy rant I did tell her to fukc off lol. I got a little heated


She's bound by the law, and working for a company.

your not
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Old August 13th, 2009, 01:34 PM   #6
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Quote:
Originally Posted by Sandals View Post
It is illegal for them to yell, harass, threaten, and threaten to sue.

Google "Fair debt collection act"

I believe the FTC has a form you can fill out online even
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Old August 13th, 2009, 01:45 PM   #7
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Tell her that you throw all of your bills in a hat. Each month You pull one bill out and pay it. If she calls you again, her bill dosent go in the hat...


Seriously though, the info above on fair debt collection is right on.
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Old August 13th, 2009, 01:54 PM   #8
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Quote:
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It is illegal for them to yell, harass, threaten, and threaten to sue.
It is legal if they intend to sue.
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Old August 13th, 2009, 01:55 PM   #9
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If it is a federal student loan, you shouldn't have a problem getting a 12 month deferrement.
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Old August 13th, 2009, 02:08 PM   #10
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Dude, I know how you feel. I had some guy call me saying I owed Nextel thousands of dollars for an account that I never had! Long story short it ended up being a different person with the same name. They must have pulled my name from the phonebook and was the first one to be harassed. After that I gave that SOB a piece of my mind. I made him apologize to my wife because she was the one that originally answered the phone and he proceeded to yell at her first and call her names. Needless to say he was very apologetic after that.
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Old August 13th, 2009, 02:11 PM   #11
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I'm just baffled you actually stayed on the phone that long. Right when I hear a breif 2-4 second pause after I pick up noone answers I know its a bill collector and out comes the Borat or Arabic Accent.
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Old August 13th, 2009, 02:17 PM   #12
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I would have routed her here. She needs to hang out at the pub and chill!!!

Also, ask her for pics or gtfo...
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Old August 13th, 2009, 02:38 PM   #13
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Quote:
Originally Posted by srlbotanical View Post
Tell her that you throw all of your bills in a hat. Each month You pull one bill out and pay it. If she calls you again, her bill dosent go in the hat...


Seriously though, the info above on fair debt collection is right on.
Don't make me Take your name out of the hat!!

My buddy used to say the same exact thing
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Old August 13th, 2009, 04:23 PM   #14
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Originally Posted by aber61 View Post
Tell em that you do not have any money right now but if and when you get some you may send them what you can, and then tell them, but if I receive any more phones calls like the last one you will file bankrupt. That should shut em up

A student loan is the only thing that will not be discharged in a bankruptcy... you will be paying for it till you die if need be.
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Old August 13th, 2009, 05:29 PM   #15
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I got a 'mommy and daddy' rant from a collector on a student loan, I told her I'm almost 50 and don't live with mommy and daddy, and besides, I already worked out a payment plan with the college.



Let me guess, you went to Baker?
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Old August 13th, 2009, 09:01 PM   #16
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Apply for forebearance on your loan, much better than having to put up with the aholes calling you.
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Old August 13th, 2009, 09:29 PM   #17
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Quote:
Originally Posted by howell_jeep View Post
If it is a federal student loan, you shouldn't have a problem getting a 12 month deferrement.
I all ready did that. This is for my personal student loan. They wont do that
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Old August 13th, 2009, 09:46 PM   #18
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I just get bitchy first, they usually tend to get annoyed that I go off on them first..LOL
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Old August 13th, 2009, 11:42 PM   #19
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someone starts yelling, I hang up..done...and I dont care who it is, or what the conversation is about, I'm not dealing with someone elses attitude
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Old August 14th, 2009, 12:54 AM   #20
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I just had my personal loans bought up by the feds, the government has been buying up a lot of personal student loans. I'm still in school not sure if that makes a difference or not.
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