Collection agencies rub me the wrong way.
Posted By: Chele on 2008-07-19
In Reply to: Collection Agency Tactics?? - Say What?
I have never worked for one, but all I know is that my husband and I have had the same phone number for over 7 years. Neither him nor I have anything that has ever gone to collection. However, we have gotten many calls from collection agencies. Most of the time it is just a recording telling us that they are looking for so-and-so and to call this number immediately and blah blah blah. The person they are looking for is never anyone we know and so I don't know how our number is getting involved here. Generally, you call the number, tell them you aren't the person they are looking for, and they take you off of the list.
One collection agency, Premiere Credit, is harrassing us with phone calls. We get an automated message telling us that they are looking for someone at that number who has a contractural relationship with Premiere Credit and owes money. They never give who they are looking for and they tell us that if we are not that person (which we are not) to just ignore the message and not listen. Hello? How can I ignore the message when you are calling my phone and calling me repeatedly, mostly on the weekends. I have called the number they have given two times and told them that neither my husband or I owe them money and to stop calling. Yet the phone calls continue. My question is this....how do I get these harrassing phone calls to stop? We do not owe them money and yet this automated call keeps coming to our house.
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Aren't there any agencies to help you? I cannot believe SM
you are not receiving child support.
I have cousin who did the same thing. Raised her grandchild alone. You must be very strong. Good luck to you.
Do you have temp agencies near you?
no one wanted to hire him. He was a steel mill worker that was laid off when the mill sold to China. I was in 8th grade. I remember he went to a temp agency and they found him quite a few jobs.
Can you call your Dept. of Labor and ask if there are temp agencies or anyone who has posted work there?
God Bless you and good luck...
Mental health agencies have had funds depleted. There is no help
hhjklhlk
She told me that it won't go to a collection
agency it is just there and it won't affect my credit. They are trying to squeaze it out of me. I just told H that if he ever goes there to pay anything make sure he looks at the date of service and tell them he is not responsible for anything in 1987. I still hate it that it is on my record.
Collection Agency Tactics??
Does anyone know who I should contact, or if I have anything to complain about regarding a collection agency out of Texas. I used to actually work for a collection agency 20+ years ago out of Florida, and we would NEVER have been able to say what these people have said to me via phone, let alone in a letter I just opened. Long story short, yes, I owe HSN $200+ for a computer I bought on a payment plan of $135 a month. Before I was done with payment #2, it broke, and thus began months and months of me sending this junk back and forth with Gateway. It was a lemon model, thus why it was offered for 5 payments on HSN. After I made payment #2 and Gateway had the computer for repairs more than we had it to use, I called HSN. In no uncertain words, the sales rep told me "you bought it, you deal with it". There were lots of reviews at this point on HSN and all buyers were furious, as it was junk. HSN quickly removed the computer and reviews. So, yes, I have been lax in paying it, but it didn't even last 2 months. At any rate, they throw me to a collection agency, who calls at least 15 times a day. I am sending them payments. I get a letter today that actually says they are going to "ASSEMBLE AN INVESTIGATIVE REPORT WHICY WILL OR MAY INCLUDE...INFORMATION AS TO MY CHARACTER AND GENERAL REPUTATION"... the caps and bold are their writing. It then goes on to say that I should send $$ immediately as they have "NO DESIRE TO CAUSE ME EMBARASSMENT"... Can they word things this way? I have never in all my life seen anything worded to this effect, as obviously, even though they use the word "may", it is a direct insinuation to scare me that they are going to ruin my reputation and are questioning my character, and threatening embarassment. Seriously, has anyone ever seen this before? I don't have a lot of experience with agencies, other than working for one decades ago, and hearing horror stories on TV shows about stuff like this, which I could not believe! Does anyone have any thoughts on who I could contact? I wonder if HSN knows this agency is saying personal stuff like this? I know companies just farm out their old debts to agencies. Again, its a tough one for me to swallow, as the computer never lasted even halfway thru their 5 easy payment plan, but I have recognized the debt and am paying, albeit at $50 every 2 weeks. But this insulting letter was just the icing on the cake for me. Do you think its legal?
Do your homework on debt collection (sm)
laws also - you just may have yourself a $1000 piece of paper in your hand.
Have you requested validation of this debt? If not, I would do that right away. Send it certified mail, return receipt requested. Depending on the age of the debt, I would be very careful about sending the canned "do not contact me letter." If the debt is not that old, that can sometimes trigger them to sue. I bet if you send the "please provide me with full validation (not verification that you have my name, address and soc. sec#) of this alleged debt. Short and sweet.
My "boys" are 18 and 20, and I have a collection of things for them.
My oldest will be moving to off-campus housing next September. I've just collected practical things, mostly my old household items, and put them in boxes and Rubbermaid bins. These include my extra kitchen gadgets, pots and pans that I've replaced, sheets and towels, and even some furniture odds and ends that are stored in the attic. Of course, all of their "junk", old baseball cards, Little League trophies, etc. are also in the attic. I can't wait to do a thorough cleaning of all that stuff when they move. What they don't take, I'm donating or tossing! I can just feel the house rise up an inch or two from the foundation with all that weight gone from the attic!
I have the all the Soprano DVDs and Sex and the City collection...
I jump on my elliptical every day and trade off episodes. Makes my workout fly!
I have a small collection of these, too. The plastic glitter ones
s
Anyone ever been sued by a debt collection agency
My husband and I have an account which we feel we don't owe. We cancelled it within the amount of time we thought we had to cancel, but were later told the contract for services was not cancellable (a vacation timeshare). The original amount was only $1,000.
Since that time, the timeshare company has sold our "debt" to a third party collection agency, Apelles. They call at all hours and even on weekends. Since I have caller ID, most of the time I don't even answer. This morning, however, they called at 8:45 and woke up my kids. I was a little annoyed, to say the least, and I'm just wondering: Does anyone have any personal experience with this company. I'm thinking about sending a Cease and Desist letter, but I'm worried that that will trigger them to take me to court. Has anyone ever been sued by Apelles? I would think our amount is too small to be worth their time and that they would just try to sell it to another agency. Any thoughts?
Collection agency guy told me as long as make any
x
Hayseed how do you crop your pics? I'd like to add to the collection of animal angels here.
Or can I send you mine and you'll do it for me, pretty please? 
You ead my response wrong, terribly wrong
I am trying to ask what does she think it will help, not being nasty- tell me and I will try this. I would stand on my head and gargle peanut butter if I thought it would help - I wanted to know why a letter? They are thumbing their noses at the courts - commanded to appear- I was there and they werent.
Please don't take this the wrong way
but after reading your note and the way he is "flirting" - sounds like he's thinking below the belt. Unless that's what your're interested in also he could be trouble.
Um, wrong!!!
x
what is wrong with you (OP)???
How in the WORLD is playing peek-a-boo with your child ICKY?? Wow, hope you aint a mom..........................
it is very sad, but you are wrong about these
horses being exploited. I have horses. I have been part of the horseracing business and my husband's life was spent riding racehorses. These are very well-taken care of animals, and by nature love to run. They generally work for minutes a day (except on race day) and then are pampered the rest of the time. There are exceptions, but these horses are very much loved by those that work with them. There was absolutely no monetary benefit to keeping Barbaro alive. They could have collected huge amounts of money through their insurance had they put him down right away. They could not breed this horse; Tb's cannot be AI'd. They tried to save this horse because they loved him and he had poured his heart out to run his best. Just yesterday after watching the Sunshine Millions races, i told my husband that they've tried long enough to save him, that it is time to put him down. I agree with that decision.
wrong -- MOST don't end up this way.
Many of these horses go to working ranches, competition of other kinds, like barrel racing, etc. There are also numerous organizations set up by the racing assocation and others to find them homes in the general population. If you really want to know where much of your packing plant horses come from, look at the BLM, wild mustangs. They sell here for $25. yup, even bred mares. So these people that have no heart, buy em and turn them around for a profit at the packing plants. BTW, a feed lot is generally a term for steers in a concentrated lot being fed-up for slaughter, and horses are used there to work the cows.
VERY wrong! What would
you think if you caught your husband in the same situation. It seems to have become an addiction. Stop now cold turkey. Read the 5 love languages book and see if you cannot reconnect with your hubbie or go get some marriage counseling.
Is this right or wrong?
I am a female in my early 40's and I have never been married and do not have children.
With every job I've had, some people feel the need to interrogate me about why I've never been married.
I never bring up the topic myself.
I usually answer, I've never found any one, maybe I will meet someone, etc.
I recently started a new job and have told co-workers when they ask if I've ever been married, I tell them I am divorced.
Now, I barely hear a peep about being single, whether these folks tell me they wish they were single or complain about their kids.
I just think it is rude to ask someone why they have never married. I would never ask someone why they married their spouse.
Is this right or wrong?
It's definitely wrong.
That you're so good in bed that limiting yourself to just one man would be a crime against humanity.
Then ask them, "Which one is YOUR husband, by the way?"
So everyone else was wrong, U only one to get it right? nm
nm
You are so wrong
As a former teacher, I'm appalled at your ignorance. Teachers start at salaries lower than truck drivers. Of course it varies from region to region, but generally it is about $28k to $29k. Some of these positions require a master's degree or a specialist degree, which is above the Bachelor's degree.
As far as the hours teachers work - they are really never off duty. They have papers to grade, meetings to attend, clubs to sponsors, committees to serve on, parents to phone, write, email, and and websites to update daily. Then, there are the workshops and/or college courses they have to attend to keep their credentials current.
Summer vacation? Who teaches summer school? Who works 1 or 2 jobs to supplement the lack of income for the 2 summer months, to keep up the student loan payments, take a college course or a workshop mandated by the school district or the state dept of education?
Then, there is the fact they aren't allowed to be human. If a teacher is seen drinking in public, smoking in public, or smacking their own child's bottom, they are bound to be pilloried by some self-righteous citizen.
You need to shadow a teacher for a week and then coime back and tell me how easy the job is and how well paid they are.
If it were easy, everyone would be doing it and we wouldn't have the teacher shortage we have.
Did I mention the number of teachers who are assaulted and permanently injured by their students every year? I'm waiting for 60 Minutes to do a story about that instead of the extremely rare but so publicized cases of teachers having sex with their students. Anyone else notice that it's the female teachers who get the publicity? I know a lot more male teachers having sex with their students - of both sex - than female teachers.
Nothing wrong with that-
it sounds like my friend who comes over to my house and hangs out with me and cleans my house for me. Sometimes I give her money when she needs it and I can afford it; Also she drives my other car and I pay the registration and insurance on it. She is unable to work and the amount of disability she gets is impossible to live on.
There's something wrong with her, all right! nm
x
Nothing wrong at all with it sm
The Clydesdales live at Grants Farm in St. Louis, a wonderful place to take children. The Budweiser story is rich with American history between President Grant and one of the founders of Budweiser's daughters - we took our 12 and 7 year old on a tour of both Grant's Farm and the Budweiser factory. The horses are beautiful a part of American history dating back into the 1800s. I would guess this box is worth far more than the $20 you paid for it.
My 2 cents.
So what's wrong with that?
How about what everybody uses wrong - me and I.
And it is always her and I or my husband and I or my daughter and I, no matter what the context.
Are you going with Mary and I to the show? WRONG!
She gave a nice gift to my husband and I and the kids?
WRONG!
And everybody does it and it drives me crazy. The RULE is so simple, just drop the first person or reverse it in your head, and there's your answer.
Are you going with.....ME?
Are you going with....me and Mary?
You wouldn't say, Are you going with I? Nor, are you going with I and Mary?
Please, people!
Thank you :)
lol
No you were not wrong, and if it were me (sm)
you better believe I'd be touching his stuff, moving it around, whatever would tick him off the most. Childish? Sure is, but so was what he did.
I think you are 100% wrong on this
The stories we are hearing now are so out there. I was born in the 40s and never, ever heard such crap when I was growing up, young teenage, young adult and so forth and I have always stayed up with the news, etc.I was just complaining of the same this morning about what people are doing now, school teachers having sex with 10 year old, people throwing their lives away for ?? I can honestly say these things NEVER happened in the 50s, 60s, 70s like they are happening now. I have lived these years and remember well. I have been aorund the block and so glad I don’t have young children now. Asking or telling them to move would make no difference with the kind she is talking about. A lot of kids killing now just for you saying anything to them. I, myself, would have called the police and got them to intervene. Saying something only sets you up for something worse.
So what's wrong with being gay? - nm
?
Yes, I'm wrong - UR right sm
I overheard a conversation at the butcher's about a weight loss product which was totally mispronounced and the conversation was truly disgusting about the person's side effects. My appetite was ruined. I didn't quite get the name. You are right, it is another product which name escapes me right now. I hear so many that I do get confused. I just wanted to check on these disgusting symptoms. Never mind, thanks!
only way to go wrong with B&B is if (sm)
the girl has perfume sensitivies. Achoo.
I must be doing something wrong...sm
The link seems to work fine in my e-mail, but cutting and pasting ya can't click on and get the recipes...Sorry  Cat
Wrong
My 16-year old son decided that he wanted to go and live with his older sister (who is 29) and she went along with it.....no one ever discussed this with me....just told me what THEY were going to do.....I'm thinking OK if that's what you want to do....fine with me.....So, when he was getting ready to leave....I told him to leave my house key....when I told my mom, she said that I was wrong in asking for my house key....she said that is "your child".....what my feeling is....if you don't leave here...you don't need a key to MY HOUSE......and I guess I have burned bridges somewhere because I just told her what I felt.....and also told her that "I am YOUR child...too, but I don't have a key to your house......DID I DO ANYTHING WRONG FOR ASKING FOR MY HOUSE KEY?????
Nothing wrong with it. You can
always re=issure it later if you deem the maturity and responsibility and/or need is there.
wrong
I did not kick him out.....
wrong
Nothing was ever discussed with me....I guess they did not feel the need to....but the point is....I am his MOTHER....and I have say so....but if this is the way they want to POP IT....they go for it....and she can afford for him to live with her and I don't have to pay anything.....she has a BS degree and Master's.....
wrong
I never said that he is not welcome into my home....what I'm trying to say is if he's not living here and he does not need a key....he is always to come home.....but home is not DO DROP IN......
wrong
Thank you sm.....I made this post to get feedback and I thank you for that......
wrong
And by the way....they were born on the same day March 5, 13 years apart.... does that mean BAD LUCK: 
Wrong
I guess a lot of people are misunderstanding my post....I am not UPSET....with my son or my daughter.....there was no arguing, cussing or fussing. My son a VERY, VERY GOOD, child. He makes A's and B's in school.....He participates in sports, basketball and football and plays in the band...percussion.....my daughter is in a position where she can provide more for him than I can.....UPSET because my mom made the comment that I was wrong in telling him to leave my house key....if you are not living here fulltime....I don't see any reason for you to have a KEY to MY HOUSE.....
wrong
I'm not trying to defend myself....I just asked one simple question.....if someone does not live in your house...whether it is daughter, son, mother, father, cousins whatever....I'm not saying that my son is a problem....Please read earlier posts.....now because I posted it seems like everyone is bashing me.....that is why I made another post saying I'm sorry....I respect the responses and everybody opinion....just trying to see what somebody on the outside thinks.....
Not that there's anything wrong with that.
x
DH is wrong, you are right! (sm)
There’s no better storage than that carton
Fresh eggs can be stored in the refrigerator for as long as five weeks. And yes, that egg carton that they’re packaged with is the best storage container for them. Avoid putting them on the egg holder on the fridge door. Not only would they get rattled whenever the door opens and closes, they also get exposed to temperature drops. They spoil quickly if they do. Just use them before that “Best before” date on the carton.
Eggshells are porous
Still, one of the reasons why you should keep them stored in the carton is because eggshells are porous. This means that the shells allow odors to penetrate the egg. Now you wouldn’t want the eggs to taste or smell like anything but good ol’ egg.
Store eggs in their original carton. The carton protects the eggs from absorbing flavors and odors
of other foods nearby like onions or cabbage.
Store eggs in their original carton. The carton protects the eggs from absorbing flavors and odors
of other foods nearby like onions or cabbage.
I might be wrong but
are not the hounds known for whining and sounding off?
No, you are wrong on this -
A lot of us made more 15 years ago than now. The pay goes down, not up in this profession.
I see nothing wrong with what you did.....
x
you are mostly wrong.
Sure, any animal is prone to animal behavior. but SOME are much more so, and unpredictably so. The stats prove it. not to mention, that too often the people that want these kind of animals are irresponsible kinds of people (not all, but SOME), ie, drug users, gangsters, etc. You can learn a lot of things in an animal class or book, some are good, but reality does not bear out all that you say.
don't take this the wrong way, but...
What makes you think that just because they are fighting for our freedom that they are any less stupid than the average Joe 18-year-old? I was an army wife for quite a few years and believe me, 18-year-olds military personel are defninitely not smarter or more mature than any other 18-year-old civilian. And whether or not they lower the legal drinking age to 18 ot keep it at 21, a good majority of 18-year-olds will be drinking anyway, military or civilian. Personally I think the only alcohol should be used for cooking only, not drinking. JMO
Please do not take this the wrong way
I also suffer from horrible perimenopasual and now menopausal symptoms. I understand that posters are trying to help BUT you should check with your physician before taking anything. The suggestions for black cohosh, soy products/estroven, etc are okay for some but not all. I had a pulmonary embolism years ago and cannot take anything. Some of the natural/health care products still contain a certain amount of hormone replacements that can be fatal to some.
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