Here is a Great Idea

[Mr.Knight]

Here is a great idea.
1. pay your bills
2. don't take out credit cards if you dont have the ablity to pay for them

i'm a debt collector and not ashamed to admit it. been collecting for 8-9 years now. and i've heard every story in the book.

if all of you spent half the time looking for ways to pay the bill instead of looking for ways not to pay them then you would have them paid...

i'm sorry but this makes me made people think that we are the bad men or ladies. but i'm going to tell you this. and answer this yourself. with 1.9 trillian dollars of debt in the country. who is going to always have a job???

first off what really makes me mad. is people tell me every day i'm out of work for the past 2-3 years. and it happens to be the same time they stopped paying the bill. sorry with computers today and the internet. anyone out of work for more then 4 months is not looking for a job.... not an option a fact. www.monster.com .... great for finding jobs... or two i get told i'm not going to work flipping hamburgs??? one if i have nothing in one hand and 7$ and hour in the other... or 5.65$ min wage... sorry the one with the money is going to fill up faster. and two i knew two people strait out of high school that went to work for mcdonalds and in 5 years were district mangers of about 6 stores. and makeing 120k a year... amazing that someone working for mcdonalds can make that much??? it is called sticking with the job....

or people tell me they are disablity.... and have been for years... come to find out they were on disablity when they opened up the credit card or took out the loan??? what is that??? use the disablity to get the card of loan and then turn around and say i can't pay cause i'm on disablity????
please..... be responsible you knew when you got the card you were on a fixed income... yet you still decided to run up the card to where you couldn't pay it back and now scream i'm on disablity and can't pay it????

you all look for ways not to pay... hence this site.... tell you what. you spend sooo much time and engery looking for ways to pay the bill you would have it paid. or at least have a job to pay payments...

here is one last thing..... the ten commandments.. #8 or 7 depending on religion...
THOU SHALL NOT STEAL!!!
what do you call taking something from someone and not paying it back it is call stealing and personally.... i don't know you all sleep at night knowing that you stole money from someone and will not pay it back.....

p.s. no matter what you are told every collection agency will take money. if you send it!!! all you need is an address..
people cry they will not take payments. they want the balance.... well you agreed to the terms and conditions of the card or the loan.... which states that when you default on the note or the card the balance is due.... but eveyone seems to forget that part of the contract.... read it carefully before you decide to use the card or activate it.... in closing.... you are adult to take the card or loan out but yet you still are looking for ways to not pay it back.... STEALING!!!

 

[stevek3]

Here is a great idea.
1. pay your bills
2. don't take out credit cards if you dont have the ablity to pay for them

i'm a debt collector and not ashamed to admit it. been collecting for 8-9 years now. and i've heard every story in the book.

if all of you spent half the time looking for ways to pay the bill instead of looking for ways not to pay them then you would have them paid...

i'm sorry but this makes me made people think that we are the bad men or ladies. but i'm going to tell you this. and answer this yourself. with 1.9 trillian dollars of debt in the country. who is going to always have a job???

first off what really makes me mad. is people tell me every day i'm out of work for the past 2-3 years. and it happens to be the same time they stopped paying the bill. sorry with computers today and the internet. anyone out of work for more then 4 months is not looking for a job.... not an option a fact. www.monster.com .... great for finding jobs... or two i get told i'm not going to work flipping hamburgs??? one if i have nothing in one hand and 7$ and hour in the other... or 5.65$ min wage... sorry the one with the money is going to fill up faster. and two i knew two people strait out of high school that went to work for mcdonalds and in 5 years were district mangers of about 6 stores. and makeing 120k a year... amazing that someone working for mcdonalds can make that much??? it is called sticking with the job....

or people tell me they are disablity.... and have been for years... come to find out they were on disablity when they opened up the credit card or took out the loan??? what is that??? use the disablity to get the card of loan and then turn around and say i can't pay cause i'm on disablity????
please..... be responsible you knew when you got the card you were on a fixed income... yet you still decided to run up the card to where you couldn't pay it back and now scream i'm on disablity and can't pay it????

you all look for ways not to pay... hence this site.... tell you what. you spend sooo much time and engery looking for ways to pay the bill you would have it paid. or at least have a job to pay payments...

here is one last thing..... the ten commandments.. #8 or 7 depending on religion...
THOU SHALL NOT STEAL!!!
what do you call taking something from someone and not paying it back it is call stealing and personally.... i don't know you all sleep at night knowing that you stole money from someone and will not pay it back.....

p.s. no matter what you are told every collection agency will take money. if you send it!!! all you need is an address..
people cry they will not take payments. they want the balance.... well you agreed to the terms and conditions of the card or the loan.... which states that when you default on the note or the card the balance is due.... but eveyone seems to forget that part of the contract.... read it carefully before you decide to use the card or activate it.... in closing.... you are adult to take the card or loan out but yet you still are looking for ways to not pay it back.... STEALING!!!

This is America, damnit. Blaming everybody but yourself is an inalienable right. Acknowledging and accepting personal responsibility is for losers and pussies. Go sell your radical ideas to Chairman Mao, you Red Commie lover.

 

[griffonz]

Please.

Sure, I agree to all with this post to a degree. If we are talking about deadbeats out there who take out loans or rack up credit cards but are unwilling to pay them back.

However, there are just too many things you cannot plan for in life that can land you in debt, and unable to pay it. How about medical bills? Should people just sit by and suffer because they can't afford treatment? Or how about someone that has a decent paying job, gets a little debt but loses that job...sure minimum wage is better than non money, and I agree they should take that job. But that minimum wage still has to pay the cost of living, which is NOT cheap these days.

Basically, this post is way to general to apply to everyone in debt. It is not fair to come here and stereotype everyone as a deadbeat who doesn't want to pay their bills.

 

[stevek3]

Sure, I agree to all with this post to a degree. If we are talking about deadbeats out there who take out loans or rack up credit cards but are unwilling to pay them back.

However, there are just too many things you cannot plan for in life that can land you in debt, and unable to pay it. How about medical bills? Should people just sit by and suffer because they can't afford treatment? Or how about someone that has a decent paying job, gets a little debt but loses that job...sure minimum wage is better than non money, and I agree they should take that job. But that minimum wage still has to pay the cost of living, which is NOT cheap these days.

Basically, this post is way to general to apply to everyone in debt. It is not fair to come here and stereotype everyone as a deadbeat who doesn't want to pay their bills.

He obviously wasn't stereotyping anything. There is a substantive difference between falling on hard times and being a total weasel. First and foremost, people should look into a mirror and blame themselves for a credit crunch. The fact is, they rarely do. It's almost always the fault of the creditor or the collection agency or the credit bureau or the lawyer or whoever or whatever crap they can yank out of their proverbial rectums. What really rubs me the wrong way are all the schmucks who believe they originally got away with pocketing free money, and then spit their bad breath and their venom into the faces of anybody in a position to siphon their gas tanks and puncture the tires of their getaway cars. How dare anybody ruin their illicit lottery dreams and destroy their stupid distorted rationalizations of right and wrong.

 

[Mr.Knight]

first off if you take offense to the post, then maybe your doing the samething that i'm talking about?? who knows? only you can look in the mirror and decide if that is what your doing. people too many times blame the credit card companys or the loan companies for giving them the card or giving them the loan. then when it is time to collect, they call it HARRASSMENT!

Life happens.

and the two instants you spoke of i known people that have done just that. had a friend that went from 120k job to a 30k job. granted he had bills but he didn't file bankruptcy he settled his accounts with his creditors and made them right. he saved himself over 50k just by settling the accounts. ONE AT A TIME.. that is the key. to winnning.

i will pose this question
who is more likely to succeed?
problem person owes 10k on a bill.. debt collector calls... offers Settlement of 5500 on the bill
1. person that only asked one or a couple people for the entire amount of the settlement??
2. person that ask 10 people how much they can get and are trying to raise 5500??

You answer that...
medical bills happen and i will tell you now. i don't have medical insurance cause it cost about 300$ a month. i take that 300$ and i put i way in a saving account till i need it for a medical expense. i've spent a total of in the past year of 1000$ in medical expenses. that is a lot better then paying 300$ a month for medical insurance.

enough said

 

[FromNY]

first off if you take offense to the post, then maybe your doing the samething that i'm talking about?? who knows? only you can look in the mirror and decide if that is what your doing. people too many times blame the credit card companys or the loan companies for giving them the card or giving them the loan. then when it is time to collect, they call it HARRASSMENT!

Life happens.

and the two instants you spoke of i known people that have done just that. had a friend that went from 120k job to a 30k job. granted he had bills but he didn't file bankruptcy he settled his accounts with his creditors and made them right. he saved himself over 50k just by settling the accounts. ONE AT A TIME.. that is the key. to winnning.

i will pose this question
who is more likely to succeed?
problem person owes 10k on a bill.. debt collector calls... offers Settlement of 5500 on the bill
1. person that only asked one or a couple people for the entire amount of the settlement??
2. person that ask 10 people how much they can get and are trying to raise 5500??

You answer that...
medical bills happen and i will tell you now. i don't have medical insurance cause it cost about 300$ a month. i take that 300$ and i put i way in a saving account till i need it for a medical expense. i've spent a total of in the past year of 1000$ in medical expenses. that is a lot better then paying 300$ a month for medical insurance.

enough said

Hey Mr. Knight:

Instead of giving us lessons of morality, i.e. yours (if we can call it morality, since if you had one, for colloecting debts you would not call the one who has not been able to pay, by all names possible as if they had killed all your ancestors! and that you had a personal problem with them)--, go thank God that there are people who have debts, because without debts DEBTS COLLECTORS would collect what?, I wonder!

Next, take my word and get that insurance, the $1,000 you set aside by not pyaing for health insurace is fine as long as you do not have a major medical bill. If you are taken to a hospital and keep you for 5 nights, your bill (at least here in New York) is $25,000, just for your stay in hospital. So get that insurance, otherwise I have to pay YOUR bills too!, I already pay your salary for the insults you give people.

And then what are you sneaking here? People are helping each other pay or not pay, what is your business here?

Take your honest and clean business and advice elsewhere.

 

[Mr.Knight]

Insults.. i've not insulted anyone. unless you are taking my post personnally which can only mean that you are one of the people that i'm talking about??
only thing i've seen here is how to i get out of paying my bills. how to i stop the collection calls??? the HARRASSMENT??
First and foremost. the only people that are Harrassing anyone is the debtors. Who look for the easy way out. by looking for the holes in the system. the SOL?? by Law you can collect a debt forever till it is paid. you just can't sue after a certain time, but you still owe the debt.
when you open a debt, you opened not someone else. the Debt collectors didn't put in in this mess. did they? no i don't think so. but you continue to bash us, and continue to try to STALL and use the word HARRASSMENT and SOL to get out of paying the bill. Instead of Doing the Decent and honorable thing and pay the bill. Want advice?? i've got tons of it. Moral issues?? well i can sleep can you?? i don't steal money from people or companys and not pay it back.
If you are so hard up you can't afford to go to a hospital to get treatment and it cost so much... they why the hell are you not going to free clinics and getting help from the state??

 

[Mr.Knight]

Who is sneaking?? I started out stating i was a debt collector. So who is sneaking?

 

[BelizeBreeze]

Here's a better idea. As long as people keep responding to this paraiah he'll keep posting.

SO?

 

[mo99]

The problem with most debt collectors are the tactics they use to collect a debt.For the most part they will blatantly lie,threaten,and terrorize the person owing the debt.They will leave no stone unturned in their own minimum wage job to get their commission on the payment.Threatening jail time and wage garnishment are illegal in many states,but that doesnt stop them.It must be one heck of an ego trip,hiding behind the almighty telephone .I wonder how many debt collectors would make their threats and have their ego tripping attitudes if face to face without being protected in an office behind a phone?I would much rather flip burgers than be a debt collector.At least you are making an honest living flipping burgers.
PS. Mr Knight I would hope you have a better plan for hospital bills than you dbviously,God forbid,you havent needed any major surgery,at the high cost of hospital care,you will be hearing from your "peers"via the Almighty phone,to collect your debt.Sleep well.

 

[Mr.Knight]

don't worry about me. i don't have to threaten anyone to pay the bill. i tell them the truth and that is enough to either:
1. make them hang up or
2. make them pay the bill.
no threats.
i'm not saying that there is not people out there that break the law. i know that i've worked with them. me personally i don't do it.

So before you decide to group every debt collector in to the same group. you might want to listen first then decide.

maybe that is too hard. to listen to the mistakes you made in life.

i've learned, that you reap what you sow.

want to bash me go ahead i'm more of a man to take it and keep coming back then to run away and hide. unlike some people that can't take it.

a WINNER always stands back up, even if he is knocked down, and doesn't give up.

how many people can say the same thing that they are doing the right thing?

besides. i don't need medical insurance and i've got a nice savings built up. how many of you can say the same thing?
i've been working with the same place of over 3 years now. you add it up. 300$ a month for 36 months minus 1000$ this year. Plus i'm a US Vet. so i get free medical from the goverment.

 

[mo99]

You are putting all people who owe debt in the same catagory,so what is wrong with doing the same with debt collectors.You dont happen to live at home with mom by any chance do you? And if your "terrorist" job is so great,why dont you have benifits?

PS If you actually are a Vet and the government pays your insurance,who do you think is footing that bill? Hmmm.Say thank you Mr and Mrs Taxpayer.

 

[Mr.Knight]

Well lets put it this way. I went to war for this country against my believes that we should have stayed out of it.
I have benifits. i choose not to take them. that is the reason. besides. you all are tring to find ways not to pay the bill. i pay my bills. inculding my medical bills. when there is a need. can you say the same??
Before you cast shadows on someone look in the mirror.
So the goverment has to foot the bill for my medical the last time i went to a veteran hospital was in 1996.
Last time i saw a private doctor was this year. and i PAID for it. CASH. not credit not a loan CASH.
You are all just mad, that you don't have the CASH to by things you want when you want them.
BASH AWAY. I'm up for it.

 

[mo99]

You didnt answer my question.Do you live at home with mom and pop?

 

[aleekat]

Mr. Knight-

Perhaps if you could write in coherent sentences with the correct spelling and grammar I would take your ranting seriously. However, due to the fact that you either a) can't type worth crap, or b) are just uneducated and stuck in a frustrating, dead-end job, I have no choice but to laugh at your claims and so-called information.

It is ridiculous for you to lump all people who have defaulted on loans into one category as "deadbeats" who are just trying to get out of paying what they owe. I won't deny that there are people like that, but not all of us seeking help on this board are that way. I am more than willing to pay off my debt, if given fair terms. To suggest that I should beg and borrow the money from friends or family is absurd if I am willing to make payments. If treated with respect and a willingness to work with me, I would be much more receptive to speaking with the CA and figuring out a way to satisfy my debt as quickly as possible. However, with someone as judgemental as yourself working on the other end of the phone, I am much less willing to be cooperative, even with having the financial means in which to satisfy my debt.

You sound quite bitter and unhappy. Maybe you should look for a new line of work. Something with less stress. How about a greeter at Walmart?