Wow, I don't believe the first lady in the video actually gave the collector her bank number, so he could do a direct transfer. That was absolutely
nuts. How did she really know he was a collector from that company?
I have never given anyone who has called me credit card, debit card, or check. I don't trust them. If I could pay, I still wouldn't give them
anything. Hang up, and call the company using a number you already had to begin with.
That is inviting identity theft and stolen credit card number. They took $900 I'm sure was suppose to go to rent/morgage, utility bills, food, and
etc. Now she would be more in a jam not being able to pay what was necessary.
Most of the time when they say I owe a debt that I know is mine, I say sorry I don't have the money, and hang up. Enough said. Want to get into a
payment plan, call the company yourself with the number you already have.
In my earlier days, I did get threatened with a law suit. I finally called their bluff, and said go ahead. I'll see you in court. They never called
On rare occasion when I just want to talk to someone, I'll let them stay online. I give them a big spiel (which is true by the way) about how I'm
backed up on everything (digging out of it now). When they are not nice anymore, I know it is time to hang up. Before I do, I threaten that I'm
thinking about going bankrupt. You would be in a long line of other collectors, which the federal government which holds my student loan is in the
front. You will be competing with them.
They don't say much after that, and usually hang up themselves.
I have had very pushy people ask if I could borrow money from friends to family. I even had one that wanted to go over my budget with me. Not
happening. After several years of this, I just usually hang up as soon as they say their company name or they are from collections.
I don't have the money to pay them or set up a payment plan with them. My credit is already shot, so I don't care. The only thing worse I can do to
it is go bankrupt. I'm already in a payment plan with my mortgage company to get caught up. One step at a time. When I can actually get around to
paying them, I'll call them.
The collector in the video had no right to threaten to take her kids. There would have been no grounds to do so. I was told by CYS that as long as I
have a relatively clean home, my mortgage paid, gas, water, and electric, food in the house, and decent clothes to wear to school then I'm fine. They
don't care about any other bills. The advocate that came to visit us, gave us much needed pre-treater.
Had CYS come on false claims. They had advocate come in for a month twice a week, was suppose to be three months before they officially opened the
claim. They were seeing if one actually needed to be opened or not. We complied with everything they wanted, and they were gone. The claim never got
I know who filed against us. The school district. I was in a fight with the principal about one of my other daughters. I got on his bad side so to
speak. I told the advocate, and she understood much better the situation, and said I shouldn't have gotten the principal angry with me. A lot of
parents hate this principal.
This was after the first initial visit. Yes, I underhandedly said something sneaky that I knew may draw concern, and waited to see if it would come
up. It did. I was right, it really didn't turn out to be an issue at all. I hate to say it, but it did get some stuff done around the house that
needed to be done for a while, such as getting the door to my bedroom actually hung instead of just leaning against the door jam. Took my husband a
year to get to, but took him less than an hour to drill the hole for the knob, put the hinges on, and hang.
Yes I admit I leaked that comment not only to make sure who, but also knew it would result getting the door hung up properly.
(whistling in the
wind all innocent like).
It also helped get my husband off of his duff, and find a job. There was something else that helped push him to do so. He was out of work for a year,
and my pay alone was not enough. He is now happily employed with benefits, paid holidays, and eight paid vacations a year.
Anyhow, child services is not going to come after you just because you don't have a bill paid that is not the gas, water, electric, or rent/mortgage.
Anyone who says any differently is full of it. Ask for their name, employee number, supervisor, and threaten lawsuit if they continue to threaten you.
Above all, know your rights. Since I have found out, I have gotten irate with collectors that called me twice in a day, and each time I ended getting
an apology out of them. They know they aren't allowed to call that close together.
[edit on 22-8-2009 by Mystery_Lady]