Debt Collectors on the best ways to catch their prey
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Stumble ThisI hate debt collectors. This little clip just strengthens that feeling.
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Ever had a $20,000 hospital bill? didn't think so...
For collections people, it is SOP and a business plan. What douchebags.
Embarrassing? Screw them. When you get that $20,000 hospital bill, Wumpus, the hospital will probably bill you, your insurance, twice, and then bill you again, then give some to collections, and they will pester you with continued requests for money already paid. Perhaps even paid, refunded, billed again, refunded, billed again. You are right, until someone runs into a mega-bill in their life, then "pay your friggin bills dumbass" is a great answer. But this is a fact - these collections people are rude people, out of touch with realities of the people they are pestering, completely ignorant of _the legitimacy of the bills they are collecting_, and are being turned into assholes by their job.
At least they're not breaking your thumbs.
If you actually have the technology to do the recording, great, but it's not necessary in practice. Just informing them that they may be on the hook for things tends to make things much saner. It's a slightly mean way to put the fear of god back into them, so to speak, so I only used it if they have made the first runaround move. They get one or two chances, but then the prisoner's dilemma says to respond in kind, so this works.
I would guess that many of the tactics used by debt collectors are somewhat less than legal, so this will probably clean up their act fast.
Of course, nothing is as good as a registered letter with return-receipt saying "don't call me"...
"life is hard even harder if your stupid"
If companies reasoned with debtors in the first place and acted like humans they'd recoup more money.
As it is, they spend a fortune employing weasels to hunt people down, scare them to the point where they won't answer the phone or the door and then end up with a small settlement.
http://www.npr.org/templates/story/story.php?storyId=9156929
One example they gave is a company levying $75 charge on every customer, and then canceling it for everyone that calls to complain. Now, imagine what would happen if you don't call and complain -- there'll be late fees and interest accrued on that $75 charge and eventually it might go to a collections agency, which will use any legal tactic to get it from you.