Bill collector for a finance company-worst job, sm
Posted By: justme2 on 2008-12-07
In Reply to: Fun Poll: Worst/Most Interesting Job You Ever Had - XanaX
I would have to call people and ask them why they weren't paying their bills. One day a week I had to do field calls for people that either didn't have a phone or didn't answer the phone. I was in my early 20's and it was the mini-skirt era. Once I was driving around trying to find an address which turned out to be bogus and a man walked up to my car and propositioned me. Luckily I had all of my doors locked and the windows rolled up. Needless to say, I quit my job shortly after that.
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Nastier than normal bill collector sm
When I was first on my own, I got in over my head with my phone service and had it go to collections. The debt got bought by another agency a while later, and when the first person called and said how much was owed, I said I could make the 4 payments of whatever it was they offered. Well, the "supervisor" wench who came on the line next said that was unacceptable. I explained that I could pay the amount they wanted for 1 payment but not the whole thing or I would not have groceries for my kids. I was calm and asked if she wanted me to pay her instead of having food for my kids, and I kid you not, she said yes!!! I explained that she was being ridiculous and how was I supposed to do something like that? Basically it all boiled down to she didn't care about anything other than getting the money and that I should have paid my bills back then, even when I admitted to her that I had made a bad choice at that time and was wanting to take care of it. I ended up getting hung up on and was so ticked I couldn't see straight.
I used to work for a finance company many in an earlier lifetime, sm
At that time, I never saw anything repossessed. However, they would guarnishee people's wages. The first thing you need to do is to contact the lenders to work something out. Sometimes they used to refinance the loans to lower the payments. Or, you could contact somebody like Consumer Credit Counseling Service (be careful and find a legitimate company). They can work out deals with your creditors. Be prepared that this will not help your credit rating, but the companies usually work with you if you are up front and communicate with them. At least they did back when I was working with them. The worst thing to do is to avoid them.
On the other hand, if you financed the furniture through the store, it could be that they would repossess. I know they do with cars.
What I was referring to was taking out a loan and putting down household goods as collateral, which is what people did when I was working for the finance company.
Tax collector or Pharisee? sm
Do you pray like the Pharisee or the tax collector?
""The proud Pharisee stood by himself and prayed this prayer: 'I thank you, God, that I am not a sinner like everyone else, especially like that tax collector over there! For I never cheat, I don't sin, I don't commit adultery, I fast twice a week, and I give you a tenth of my income.'
"But the tax collector stood at a distance and dared not even lift his eyes to heaven as he prayed. Instead, he beat his chest in sorrow, saying, 'O God, be merciful to me, for I am a sinner.'"
Luke 18:11-13 NLT
Help Needed on Taxes/Finance Board
http://forum.mtstars.com/misc/b/7.html
you can pay attorney for an Order To Refinance for Ex; if he can't finance,
nm
Check eBay. I am a doll collector and restorer on the side sm
I am also into reborning, though I have yet to have any to ebay. I tend to do very personalized custom dolls. I also sew doll clothing, but I chose not to do that this year because I have not had the right kind of time.
Save my email address because I will start to have some doll clothing next year when I am no longer on hiatus. I had to take the time off because I am landscape painting this fall, now I feel badly I can't help you!
It's actually something like a second job to get the bill that low.
I spend a lot of time studying sales and clipping coupons (doubled and sometimes tripled in our area). And I use bonus cards and shop at places like Aldi's for staple items. I never go into a grocery store without a plan, and I never buy on impulse. A lot of money can get away from you when you just browse up and down the aisles. Also, the $321 does not include cleaning products, pet food, or any paper products. That's strictly our people food. We only eat meat 3 or 4 times a week. I also cook nearly everything from scratch. That's just part of my Italian family's food tradition. I will pay $12 for a chunk of really good cheese, though! LOL It's a balancing act. I can make a really nice platter of gnocchi with just some flour, water, egg and a baking potato. For a "sauce" I just use olive oil, salt and pepper, GOOD cheese, maybe a little bit of chopped ham or dried sausage as a flavoring. Add some sauteed spinach or escarole, a little salad from whatever veggies looked good at the market. Add some beans to the salad to boost the protein, and we're eating very fine! I also haven't bought canned soup in .... probably ever. I save up chicken carcasses or buy the backs to make stock. I also make veggie stock and buy beef soup bones and make my own beef broth. The home-made stocks make all the difference when cooking from scratch.
I keep the grocery bills low by planning my shopping expeditions and cooking from scratch. It depends on how far you want to go with it. I love to cook. It's a creative outlet for me, so I find it relaxing. Someone else may not, in which case, buying convenience foods would lower their stress level and would be worth the extra expense.
I bet she won't get a bill from the
Bet the hospital writes this off.
Gas Bill
I also live in a small apartment (not a complex, up and down situation) of 2 bedrooms, living room-dinning room, kitchen, bath. My gas bill usually runs about $175-200 a month in the winter. My last gas bill for February was over $600. I found out that my contract with the gas company I was using ran out, and they did not tell me. I called another gas company who gave me a deal at half the price. That is still way too high. I am moving back to Oklahoma this next weekend. I now live in Ohio. House payment alone will save me $300 a month, and my gas payment will probably be about $100-150 a month. I can get a huge house for $300 a month, where as I pay $550 now for a tiny apartment. With all the cuts in pay at MQ, I just cannot afford living here any longer.
I use the bill pay also but
when at the bank today where you have to enter your account number do not think enough space to enter what you need for another banking acct. Oh, well will only be transferring money say every 3 or 4 months and the 3.00 extra charge will not be that bad, especially since if you wire transfer in bank I think they charge around 20 or so.
The worst one yet (sm)
DS first grade teacher, teaching them the difference between their, there, and they're. Had them copy sentences off the board, something about daffodils, and it said, "they're little petticoats in the breeze" or something like that. I called her on it, and she was nasty to DS the whole rest of the year (not kidding).
That's not the worst
She told me that she knew I had been trying to have an affair with her husband (yuk and ewww! - oh is that anything like shock and aww. Ha Ha), She said she knew what my game was etc, etc., oh yes...and I should go back to my home state where "my kind" belongs. All the meantime with her finger pointed in my face. She is much larger and stronger than I am and I was too shocked beyond words to comprehend what was happening. She also stood leaning against the door so I had no way out. It was a nightmare. It took me 4 months before I stepped foot in her place again or said a word to her. Slowly we became on good speaking terms. Never did trust her after that. Now we get along okay. I eventually forgave her (she was having her problems), but I wish someone had spoken up on my behalf. I did learn at that time that blood is thicker than marriage (unless you are lucky to have a partner that loves you so much they would do anything to keep you from being hurt). Anyway...I have moved on and don't think about it as often but there are still some times when it is in my mind and it does hurt, but gotta move on.
my worst was 25
Absolute worst was my 25th...my stepmom died from an aortic aneurysm. She had just gone up to change clothes for dinner and we found her dead within 5 minutes. I think dinner stayed in the oven for 3 days afterward and I have never eaten stuffed shells again. I haven't liked birthdays since. As my dad said at the hospital, Happy F-ing Birthday, and he was not one to curse.
But, a better one was for me was 29 as I got a belly button piercing in memory of my cousin and met my DH on that birthday. Now I just try to ignore them, though 40 is rapidly approaching and I find myself feeling stuck in a rut...work to pay the bills and for gas, eat, sleep, and do it all again the next day. I wish I could go back to 21 and do it all over again!!
Worst best man ever?
//
Worst job..(sm)
Sonic rollerskater girl. I just didn't know how to rollerskate. There were a few accidents...LOL.
Me again, tell you what I did about paying a bill for a dog
like I said above, huge animal lover. I have 3 furkids but a friend of mine whose son is a druggie, was not seeing about his dog. The dog needed an operation for a growth on his foot. I paid over $1000.00 for that and now I buy my newly adopted doggie its medicine each month. I never give my friend money because want the money to go for the doggie, not drugs for her kid but you can believe I am seeing the doggie is comfy!
How we cut our power bill...sm
The bill arrived yesterday and it was $40 less than it usually is when compared to any summer month last year. Here's how we did this:
- I enforced people turning off lights when they leave rooms.
- We switched the light bulbs in the living room and bedroom to the energy saving energystar rated bulbs.
- When the washing machine died we replaced it with an energy saving one.
I was suprised that the power bill went down this month... especially with it begin summer and having the A/C running.
To help the kids remember to turn off the lights when they leave a room and to not leave water running that is not being used I gave them the incentive that if the utility bills came in what our usual budget is then they can have the excess money for extra activities this summer. That has sure gotten their attention!
Maybe someone else paid the bill for you.
no msg
Hospital bill
As long as you pay something every month, there is nothing they can do to you.
I would not take my money out of the CD's or move it. Just keep paying something every month.
Quicken Bill Pay
I use that site. It's worth the $9.95 a month to me for all the bills I write.
I have 2 gifts that fit this bill.
Back in the 80s my mother made 2 quilts, one side silky and the other side imitation fur. You talk about warm! Have used those since. The best gift ever was not Christmas but my husband (actually called first to make sure ok) and then bought me home my 2 tuxedo cats- they were really small when he first got them but they have grown into big lovable guys. One a Christmas and the other just a gift. I am blessed.
I have 2 gifts that fit this bill.
Back in the 80s my mother made 2 quilts, one side silky and the other side imitation fur. You talk about warm! Have used those since. The best gift ever was not Christmas but my husband (actually called first to make sure ok) and then bought me home my 2 tuxedo cats- they were really small when he first got them but they have grown into big lovable guys. One a Christmas and the other just a gift. I am blessed.
Electric Bill
Bill was $64.00!
$33.00 for actual electrical usage
$31.00 for Cust charge, Standard Metering charge, Distribution Facilities Charge, Transmissions Services Charge, Purchased Electricity Adjustments, Environmental Cost Recovery Adj, Energy Efficiency Programs, Franchise Cost, State Tax and Municipal Tax.
Churches are the worst.
I have more people trying to convert me to whatever they are come by my house uninvited than I do people I know. Now I open the door, tell them I'm happy where I am, I'm happy for them that they are happy where they are and that I'm working and can't be disturbed. Then I shut the door. I actually don't go to church anymore. Pretty disgusted with the whole idea really lol.
In your case, I wouldn't let them in. I think they are being extremely rude to you.
Worst one I have ever endured was...sm
At a psychiatric facility - a dictator actually dictated in the bathroom stall while having a bowel movement... actually grunted and laughed into the dictation equipment (hand-held obviously), and then finished his "big job" and then flushed on tape. I complained to the MedRec Dept head, she approached him about it, and we actually referred to him as "the Royal Flush" after that when we got his dictation...Needless to say, we didn't enjoy his transcription or his surprises. He's a big psychiatric research guy here now. Sheesh. ICK indeed. What are they thinking?!!
WHAT?! Some of the worst criminals...
at least money-wise, as in stealing church money and money from little old ladies, are the big time evangelists on TV!! Do you think these people have "lack of God"?? I personally think it's lack of values/morals in this country (and other countries of course) that cause people to commit crimes, and of course lack of conscious! It has absolutely nothing to do with lack of God! I can't count how many times I've seen news reports where people commit a crime and everyone that knew them said what a great person they are and how shocked they were that they committed the crime - plus, a lot of these people go to church and actually believe in God and it still doesn't phase them to commit the crimes. I don't know, maybe it's because they believe in God that makes them think God will save them or forgive them, so it's okay to commit the crimes?? I'm not an atheist, I just live in the same town at Pat Roberts and where that whole network of his is located and I'm sick of these people living like kings with their multi-milliion dollar homes, helicopters, vacation homes, etc., while there are people in our country that are homeless, without insurance, and starving - I'm sorry but I don't think this is the Christian way to behave and I'm sick of people saying that God is the answer to everything! I really don't think this has anything to do with why these people commit crimes.
What's the worst that can happen; you buy a new one?
I have heard people clean them by running them under the shower and letting them dry in the warm outside air. I'm going to try it, I have a backup cheapie to use if it gets ruined and I have to buy a new one.
My worst Thanksgiving
I remember the date well. It was Thanksgiving of 1978. I had made the Thanksgiving meal and had invited friends. We were living in Wisconsin away from family. Well, some friends and I were putting the last minute touches on the meal, when I heard my dog going crazy outside. I opened the door and in she came, smelling horribly of SKUNK! Needless to say no one could eat anything, as the house just "STUNK OF SKUNK". 
We did the worst Thanksgivings - how about the best?
My best one was 15 years ago. My daughter was born the night before Thanksgiving and we were ready to go home on Thanksgiving day.
My parents were having dinner at their house and a ton of extended family over who were all excited to see the new baby. We went over there (yes, before I had even gone home yet) for a couple of hours.
My husband's parents were also having a big family gathering at their place, which was closer to our house. They all wanted to see the new baby too so we went over there for a few hours too.
I was exhausted but it was still fun. Mom and baby were discharged from the hospital at 10 a.m. and didn't make it home until around 10 p.m. that night. The other kids were tired so they let mom and baby go right to bed without a fuss and dad went back to his folks for the holiday family poker match.
No one can be a worst cook than me
My husband asks me to stay out of the kitchen as he says, he and I both want to stay healthy! Ok, I do have a previous thingy I just made up, call it Spanish porkchops. How simple is this - I put a family size container of pork chops plus 2 cans of canned tomatos plus 2 large onions all together and cook over medium until the chops are done and tender- oh, I forgot the salt and pepper- but anyway that is something even I can do and I love it but then again I love tomatoes and we eat them all the time.
what is the worst song ever?
This was on our local news this morning.
My first thought was "Help me Rhonda" by the Beach Boys. Seasons of the sun is right up there for me also.
What's your 'worst song ever'?
worst song?
I have always hated "You light up my life". That was so popular years ago they played it constantly. To this day I want scream when I hear it.
worst thing ever huh? (okay almost)
I'm sorry I don't have suggestions because mine was due to my severe sinusitis as well as the prednisone I was on. You would never think that losing your taste would matter... but having to eat food, just to eat it and taste NOTHING... I tell you what, i dont take the small things for granted anymore :) (of course there were things i was happy not to taste and/or smell... nasal spray was one of them, because i knew my senses were back after using that one day and gagging!!!)
hope you get better soon!!
my worst fear right now is that even
if I have cash in my hand, it will be worthless, and might as well use it as TP.
worst = medquist
they suck
That's not the worst part. nm
x
this is actually the worst, I quote:
'.......Aren't boomer women great? They know how to solve a man's mid-life crisis without even breaking a sweat!'
This is so ridiculing and portraying the woman as cold and materialistic.
That's why we automatically think the worst
Everyone remembers the exceptions, rather than the vast majority whose ailments turn out to be minor.
In any case, there's no point in worrying until you're sure there's something to worry about.
lol, I meant - nice that it is all on one bill : )
x
Not the poster you replied to but I do like Bill O.
p
I heard that in some states you can bill the MD
I heard this quite a few years ago, never tried it....but our time is as valuable as anybody else's time (outside of emergencies/extenuating circumstances) and I worked for an MD who kept the patients waiting for 5 hours in his waiting room....the elderly were the victims in this case....it was 20+ years ago. And don't you just hate waiting in the waiting room for over an hour and then waiting in that examining room for any length of time beyond 10-15 minutes?!?! Usually a 30-45 minute wait and I don't like that either....
Most of us have places to go, people to see, things to do.....all as important as anybody else.....they are not gods....far from it, actually.
Yeah, they pay our bills/mortgage/rent but doesn't mean we have to like 'em....*l*
thanks for the place to vent...
just know that you all can bill an MD for wait time
really - it's being done now - whereby you, the patient, can bill the doctor's office for exhorbitant time waiting.............gives them back a taste of their own medicine (with them billing you for not canceling an appointment in a timely fashion) - TWO can play that game....*lol*
I know all about that bill they tried to pass and failed so far,
I am against it being mandatory, and yes, I am part of the breed/show world, and did mixed breed rescue, volunteered in a few shows for a long time and it is heart breaking. But, in all the years I volunteered in them, the pedigree cat was rare, I only saw a persian once and a siamese once. I am not out West though. Mandatory spay and neuter will only create a black market. In CA there is already a problem with smuggling puppies in from Mexico, imagine how much worse that will get. And yes, breeders can get a license, but not everyone will get one and unfortunately, it will knock out the good ones, the bad ones always find a way around things. The better answer would be low cost spay and neuter programs so that it is more affordable. I don't know costs in CA, but here in PA they are getting very high. My vet loves me, I spend a fortune there and if somebody gets sick on the weekend, I don't think twice about going to the emergency vet and paying extra costs. I do recall, however, in the pounds I volunteered in that there more pedigree dogs, particularly large ones. In these cases, it seemed people did not do their homework and did not realize the puppy would get so big.
As for pet stores, I would never buy a pet in one of those, nor would I ever let one of my kittens go to them. In fact, my breeding is very small scale, I am most definitely not making money on it, and I am very picky about who let have one of my furry kids, and I do have high quality within my chosen breed, good health and show.
Good luck in CA, but I don't think that bill will ever get passed. It is really not cost effective to the state and like you said, how could they enforce it? People find a way, sad, but true.
they called Bill a pig but Condi and GWB have been
those in glass houses should never throw stones, eh? *lol* -
ty...problem not the phone bill though...psm
We are fortunate that we have unlimited texts, so the problem isn't the phone bill. The problem is I feel he is running his life into a ditch. I know he has to make his own mistakes but we raised him better than to be rude, disrespectful, and lie. At least I thought we did :(
I know they say you have to let your kids make their own mistakes but it is so hard to do that when you know disaster is on its way.
The only real problem with taking is phone away is he will be 2 hours away and I won't have any way to contact him or him us at any time. They don't even put phones in the dorms these days.
I was at a football game last night and his girlfriend was there texting away to him. I heard her tell her friend "I am talking to him on AIM since we can't talk on the phone anymore." Which meant she can't text him (we set him a limit of 200 a day) so he is sitting in his room talking to her on the computer instead. I can't stop it. There is no way I can take away his computer. I just have to let him do what he's gonna do at this point I guess........thanks for the help! Any more advice would be greatly appreciated.
I really do appreciate any help!
I saw that Bill Maher episode too
I recently started watching him and he really puts things into persective. Especially the comment about about Colonel Sanders and chicken going up. Has some fascinating guests on.
One thing I did say to DH after I heard Bush say that people could use the stimulus to help pay for gas I looked at him and said "Of course he wants us to spend it on gas. He's an oil guy."
Can't wait for Bill Maher to come back on.
SAVE ON HEATING BILL!
A friend told me about these and my husband brought an article home today. They are Heat Surge Fireless Flame miracle heaters produced by the Amish. I will try to attach the link to the web site so you can check them out....don't panic at the price! You can order the mantle right now for $298 and get a FREE heater (normally around $600 together) The mantle (which goes around the heater) is solid wood. Right now you can order 2 per household. Click on the link that says "do not have claim code" to see where in the country you are and get the phone#. You only have 48 hours to order, and mine started yesterday.
I sure hope he wanted me to order one, cuz I did!! We already have a wood stove but this will help me not have to get up to put wood in it all night long to keep it going since I have not turned on my house heater in 3 years and refuse to!!!!
Post again when you get your electric bill and
DON'T FORGET to send your warranty in. Hopefully, it will last longer than my Eden Pure. Do a follow up, please. I'm still thinking about it.
No, you can not be held responsible for their bill -
nm
I can use bill pay to pay to a specific account #
at any bank. Its free, too.
Too bad...I have used bill pay to transfer money...
this way, but after reading your post, I looked into it and can only do it from one bank and not the other. They all have their own rules, I have just never had the need to do it the other way around.
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