I know I have crapped up credit accounts that have been written off and sold to collection agencies for 5%-10% of the value. However, if you
a) Send me a dunning letter with my surname mispelled,
b) Reference an account I'm current on,
c) Quote a "balance due" higher than the account limit ever was,
d) Demand "payment in full" on an account I couldn't even make the payments on,
e) Harass my roomies and family,
f) Other stupid, abusive, and slimy shit,
YOU WON'T GET A F*CKING DIME!!
I don't care if you "legitimately" bought the debt. The law required the original creditor that I had an agreement with to write it off.
Let's face it, 20+ months out of work in California's high cost Silicon Valley will take a AAA+ credit rating and flush it down the toilet. It takes years to recover. Paying collection houses more than pennies on the dollar (ie what they paid for it) is not part of the plan.
Especially since during my unemployment, the collection bastards were uniformly hostile, rude, and vicious to me. I have a real long memory for who has done me psychological abuse, and collection f*ckheads are, as a class, in that category.
So give it up, collection f*cks. Maybe if I won the f*cking lotto jackpot I'd pay you. But the creditors who cut me slack, didn't jack my interest rate up, and tried to be understanding, are the ones getting what money I have left after my landlord and utility providers get paid.
Posted by ljl at August 4, 2003 09:42 PM | TrackBackI had an abusive creditor call me one time. He was the type who talks through anything you say. I ended the "conversation" by saying in a firm steady voice:
Don't - call - me - again - or - I - will - come - to - where - you - are - grab - hold - of - you BALLS - and - squeeze - REAL - hard. *click*
The next time he called, two months later, he was all sweet reason. I agreed to pay, since I had the money. I told him "You know, I react lots better to this approach than the other." He paused, then said "Oh yeah, you're the guy who .." I interrupted "Threatened to squeeze your balls off if you called again?" "Yeah," he said. "Heh heh, well, goodbye!"
THAT was fun. 8)