*What Do You Say To A Naked Debt Collector?

[crzywizdom]

*What Do You Say To A Naked Debt Collector?

 

 

Newbie here. Just stopped paying CC for first time in over decade last week. no money left, enormous med bills, may considering settle or Bk even.

getting 5 calls a day already to my cell phone. Chase, First national, Discover,

 

1) is there a SMART script that tells me what exactly to say when they call? What did you say that worked and kept you out of trouble?

 

2) is it better to not talk to them at all and write them a certified letter?

if so what should be in it? How do I have a smart strategy in a difficult time?

 

 

thanks so much, frankly the financial has to take a back door to the medical for now. All your wisdom and advice is appreciated.

 

CRZY

 

*title take of on candid camera film....

[hegemony]

is it the OC or a CA?

[breeze]

If you want to settle, only talk to them once to tell them you are in dire straits, then set them up so the phone doesn't ring and let it go to voice mail. It will take them about 3 months before they start making offers. About 6 months the offers get better, just before they have to charge it off. Once the 6 months is up, it's a charge off. Once that happens, your credit is trash anyway, so don't worry about for a while. We'll be here - if things are scary or get weird, you can get help here.

 

Hope your medical issues are resolved soon.

[JunkBuyersWorstNightmare]

*What Do You Say To A Naked Debt Collector?

 

 

 

 

 

"Nice underwear. Does it also come in men's sizes?"

[ctb89]

How's it hangin?

[Repairerer]

Is that pencil to write me a summons with?

[BobWang]

[ICANHASMUNY?]

*What Do You Say To A Naked Debt Collector?

 

 

Newbie here. Just stopped paying CC for first time in over decade last week. no money left, enormous med bills, may considering settle or Bk even.

getting 5 calls a day already to my cell phone. Chase, First national, Discover,

 

1) is there a SMART script that tells me what exactly to say when they call? What did you say that worked and kept you out of trouble?

 

2) is it better to not talk to them at all and write them a certified letter?

if so what should be in it? How do I have a smart strategy in a difficult time?

 

 

thanks so much, frankly the financial has to take a back door to the medical for now. All your wisdom and advice is appreciated.

 

CRZY

 

*title take of on candid camera film....

 

some states cover OC's in the debt collection laws - so what state are you in?

 

http://creditboards.com/forums/index.php?showtopic=15895

[road2freedom]

that must be a new kind of SOL... a statue of limitations.

[crzywizdom]

is it the OC or a CA?

 

 

Thanks for all the replys ...you made me laugh for the first time in a while... it is OC/IL is has only been a short while.

 

does that help? all constructive comments, wisdom and experience, welcome!

[crzywizdom]

is it the OC or a CA?

 

 

Thanks for all the replys ...you made me laugh for the first time in a while... it is OC/IL is has only been a short while.

 

does that help? all constructive comments, wisdom and experience, welcome!

[crzywizdom]

If you want to settle, only talk to them once to tell them you are in dire straits, then set them up so the phone doesn't ring and let it go to voice mail. It will take them about 3 months before they start making offers. About 6 months the offers get better, just before they have to charge it off. Once the 6 months is up, it's a charge off. Once that happens, your credit is trash anyway, so don't worry about for a while. We'll be here - if things are scary or get weird, you can get help here.

 

Hope your medical issues are resolved soon.

 

 

Thank you for your generous advice and warm welcome.

 

1) you are right they are already scary ...5 calls a day in just a short while. it is the oc/IL

2) I don't know if i want to settle or bk yet, don't know if i can get the money to settle.

3) What do I say if i do talk to them that is safe?

4) mostly i don't want to get sued as my landlord might kick me out as he will not like the hassle. and then because of credit, where will i go?

[Gaby10]

Hahaha, the fact that I immediately got the title of this thread made me feel really old.

[BobWang]

[JunkBuyersWorstNightmare]

Is that pencil to write me a summons with?

 

[dingaling]

When I defaulted on Chase, they were the worst. They called me 15 times per day, every day. The calls must have been programmed because they came at the same time each day. At first I tried to be polite and talk to them and explain the situation. But they were so aggressive that I jsut gave up answering their calls. They finally stopped. After six months, they did a chargeoff and sent it immediately to a collection agency. To give you an example of how bad it was, when I was on their 9:30 call trying to be polite, I could hear another call ringing in the background. When I hung up, I found the other call was from them. And they did this every day.

 

The deals do get better and the best one will come just before the six months is up. When the first CA gets it, the amount they want will be the original balance plus lots of interest and fees. And they never give up. I have not heard from any CA's on my three Chase chargeoffs for about two years. About a month ago a new CA called. So I have to start the validation process over.

 

In my case, no one ever sued (probably because they could see I had nothing). Now the SOL is over. But I watch the court docket every week and Chase does sue a lot. And the CA's they pick also sue a lot. What I have seen in court is that their CA's have very little documentation. I think Chase gives them an affidavit that you owe a certain amount of money, plus they give them the last three or four statements before chargeoff. In all of my requests for documentation, that is all their CA's can provide.

 

My impression is that they will evaluate you and make a decision as to whether or not to sue you based on what they think they can get from you. They will sue if they think they can get something from you. They won't sue if they think you are hopeless. The best thing you can do is to convince them you are out of work, have no assets, and no chance of ever being employed again.

 

Get organized and keep everything in a book so you have all your documentation. Write down all important dates. I know that they will not go awaay. Because of the recent contact I got from the latest CA, I pulled out my file and found they first started contacting me in mid 2003.

[crzywizdom]

When I defaulted on Chase, they were the worst. They called me 15 times per day, every day. The calls must have been programmed because they came at the same time each day. At first I tried to be polite and talk to them and explain the situation. But they were so aggressive that I jsut gave up answering their calls. They finally stopped. After six months, they did a chargeoff and sent it immediately to a collection agency. To give you an example of how bad it was, when I was on their 9:30 call trying to be polite, I could hear another call ringing in the background. When I hung up, I found the other call was from them. And they did this every day.

 

The deals do get better and the best one will come just before the six months is up. When the first CA gets it, the amount they want will be the original balance plus lots of interest and fees. And they never give up. I have not heard from any CA's on my three Chase chargeoffs for about two years. About a month ago a new CA called. So I have to start the validation process over.

 

In my case, no one ever sued (probably because they could see I had nothing). Now the SOL is over. But I watch the court docket every week and Chase does sue a lot. And the CA's they pick also sue a lot. What I have seen in court is that their CA's have very little documentation. I think Chase gives them an affidavit that you owe a certain amount of money, plus they give them the last three or four statements before chargeoff. In all of my requests for documentation, that is all their CA's can provide.

 

My impression is that they will evaluate you and make a decision as to whether or not to sue you based on what they think they can get from you. They will sue if they think they can get something from you. They won't sue if they think you are hopeless. The best thing you can do is to convince them you are out of work, have no assets, and no chance of ever being employed again.

 

Get organized and keep everything in a book so you have all your documentation. Write down all important dates. I know that they will not go awaay. Because of the recent contact I got from the latest CA, I pulled out my file and found they first started contacting me in mid 2003.

[crzywizdom]

When I defaulted on Chase, they were the worst. They called me 15 times per day, every day. The calls must have been programmed because they came at the same time each day. At first I tried to be polite and talk to them and explain the situation. But they were so aggressive that I jsut gave up answering their calls. They finally stopped. After six months, they did a chargeoff and sent it immediately to a collection agency. To give you an example of how bad it was, when I was on their 9:30 call trying to be polite, I could hear another call ringing in the background. When I hung up, I found the other call was from them. And they did this every day.

 

The deals do get better and the best one will come just before the six months is up. When the first CA gets it, the amount they want will be the original balance plus lots of interest and fees. And they never give up. I have not heard from any CA's on my three Chase chargeoffs for about two years. About a month ago a new CA called. So I have to start the validation process over.

 

In my case, no one ever sued (probably because they could see I had nothing). Now the SOL is over. But I watch the court docket every week and Chase does sue a lot. And the CA's they pick also sue a lot. What I have seen in court is that their CA's have very little documentation. I think Chase gives them an affidavit that you owe a certain amount of money, plus they give them the last three or four statements before chargeoff. In all of my requests for documentation, that is all their CA's can provide.

 

My impression is that they will evaluate you and make a decision as to whether or not to sue you based on what they think they can get from you. They will sue if they think they can get something from you. They won't sue if they think you are hopeless. The best thing you can do is to convince them you are out of work, have no assets, and no chance of ever being employed again.

 

Get organized and keep everything in a book so you have all your documentation. Write down all important dates. I know that they will not go awaay. Because of the recent contact I got from the latest CA, I pulled out my file and found they first started contacting me in mid 2003.

 

 

 

Thank you so much for answering in such detail... I really appreciate it. So what you are saying is going dark ( not ever answering) is the best way to handle them correct?

 

so i shouldn't even write them a certified letter saying I can pay?

[*CJ*]

Perhaps I'm off base here, but if possible, wouldn't you want to take care of living expenses first and medical second? That is, if the medical is on terms and not pay in advance.

 

Also, have you looked in to hardship assistance from the hospitals? Some hospitals we forgive bills if you can prove an inability to pay.

 

Good luck to you, I hope it works out for it best.

[BigDaddyof8]

it looks like a jewels only smaller

[JunkBuyersWorstNightmare]

it looks like a jewels only smaller