vmak812

Maybe not the type of question you expected to or prefer to answer, but I'm interested in your thoughts on debtors. I've collected cc debt from $500 to $40,000 and my experience is that there are about 5 useless people who blame everything on the planet for every 1 debt collector who will lie, harass, or bully in an attempt to collect. What are your thoughts on standing up for people who recklessly or knowingly put themselves in debt then come to you for help with the bill comes?

Maybe I'm cold hearten, I didn't enjoy collecting (first job out of school) but I definitely had no patience for people whining about how me calling them made them feel 'guilty' or 'annoyed'. There are exceptions for anything, but largely (in my experience from all the people I spoke with over 2 years) people spent more than they had and then got to the point that they couldn't keep up any more and elected themselves the 'victim' of 'deceiving' business practices. (meaning when you spend money, you actually have to pay it back, and interest is a thing.)

We have all heard 'call your rep' and 'email your rep' is there anything that can show this really makes a difference for those of us getting too cynical to believe that a phone call means anything any more?