Of course RoJoHen believes his family over some anonymous debt collector, especially if it's about some unknown and possibly non-existent debt. Seems a pretty clear no-brainer to me 
Unwelcome phone calls
- Thread starter RoJoHen
- Start date
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Amaris
Guest
There are other ways to get his family's numbers. Many debt collection agencies are highly unethical.
Sir that is YOUR opinion because you have NEVER worked in that industry. Your ignorance like most Americans is obvious when they don't have a clue what they're talking about.
It's unethical not to pay a bill you legally owe but in a court of law ethics don't supercede any contract a debtor signs.
It's unethical not to pay a bill you legally owe but in a court of law ethics don't supercede any contract a debtor signs.
Hell our attorney told us to walk away from our debt: No assets, and I'm looking at ending up SSD.
I don't have a problem with it, I sleep well at night. We played their game, never missed a payment, always payed a extra 10% on the debt. Then they jacked us right before the new laws went into effect with triple interest rates and quadrupled payments. We had a choice: feed the kids and pay for medicine or pay the credit card. Guess who wins.
Take me to court, I don't care. What's ya' going to get a lien on a empty bank account? My pride, pride's free have a extra helping.
And not once have I met a ethical bill collector.
I don't have a problem with it, I sleep well at night. We played their game, never missed a payment, always payed a extra 10% on the debt. Then they jacked us right before the new laws went into effect with triple interest rates and quadrupled payments. We had a choice: feed the kids and pay for medicine or pay the credit card. Guess who wins.
Take me to court, I don't care. What's ya' going to get a lien on a empty bank account? My pride, pride's free have a extra helping.
And not once have I met a ethical bill collector.
I don't! As far as I know, I never have. Certainly not my grandma's number. I would have no reason to do that.
So I finally talked to the guy the other day. He told me he's been hired to collect $3,000 from me, and then he immediately asked for my credit card number. He wouldn't tell me what the debt was for or who I owed it to, and when I told him I wasn't willing to pay him over the phone, he accused me of avoiding the debt and said he was going to mark it on my credit score.
I asked him to send me information in writing, and all he said was, "We already sent you a letter, and you refused to pay." Uh...no.
I eventually had to hang up on the guy because I was going to be late for work. I told him I would call him later to discuss this further, and he said he was going to report my refusal to cooperate. I've never had to deal with such an asshole before. It was ridiculous.
And then you wonder why America is in the mess we are in because of ignorant idiots like you. Go ahead make excuses for your pathetic life because that is what Americans do everyday in this country, make excuses and blame everyone else for their problems that they themselves caused in the first place.
I don't! As far as I know, I never have. Certainly not my grandma's number. I would have no reason to do that.
So I finally talked to the guy the other day. He told me he's been hired to collect $3,000 from me, and then he immediately asked for my credit card number. He wouldn't tell me what the debt was for or who I owed it to, and when I told him I wasn't willing to pay him over the phone, he accused me of avoiding the debt and said he was going to mark it on my credit score.
I asked him to send me information in writing, and all he said was, "We already sent you a letter, and you refused to pay." Uh...no.
I eventually had to hang up on the guy because I was going to be late for work. I told him I would call him later to discuss this further, and he said he was going to report my refusal to cooperate. I've never had to deal with such an asshole before. It was ridiculous.
Sounds like either a zombie debt or someone that's got the wrong person. Next time demand a mailing address "to send them a payment" then hit them with a Debt Validation, Bond/license validation (they can't collect in your state if they're not licensed in your state) and Cease Phone Calls set of letters. After they, if they keep calling notify them, in writing, that you're reporting them to state and federal oversight agencies and will be seeking the standard fine of $500 (I think it is).
Learn the Fair Debt Collections Act. And don't be afraid to use it.
I don't! As far as I know, I never have. Certainly not my grandma's number. I would have no reason to do that.
So I finally talked to the guy the other day. He told me he's been hired to collect $3,000 from me, and then he immediately asked for my credit card number. He wouldn't tell me what the debt was for or who I owed it to, and when I told him I wasn't willing to pay him over the phone, he accused me of avoiding the debt and said he was going to mark it on my credit score.
I asked him to send me information in writing, and all he said was, "We already sent you a letter, and you refused to pay." Uh...no.
I eventually had to hang up on the guy because I was going to be late for work. I told him I would call him later to discuss this further, and he said he was going to report my refusal to cooperate. I've never had to deal with such an asshole before. It was ridiculous.
If they have your correct mailing address and sent you something already they by law are not obligated to send you anything else unless you request in writing.
They are also NOT obligated to make sure you received anything either. CA's are not responsible for the post office deliverying your mail.
Most often than not people know they owe the bill. It's just they tend to stall pretending not to know about the debt when the CA's call.
Well, I don't know about this bill. I have absolutely no idea what it would be for, and it seems really shady that he refused to tell me what it's for. I certainly never got anything in the mail from him.
And I'm sorry, but did he really expect me to give him my credit card number over the phone to pay $3,000 for some mystery debt that he claims I owe? Why would ANYONE do that?
And I'm sorry, but did he really expect me to give him my credit card number over the phone to pay $3,000 for some mystery debt that he claims I owe? Why would ANYONE do that?
Basic survival man. Food and medicine trumps the credit card. They changed the tune, I just refused to dance to their song.
Just counting down the days till we file Ch. 7.
If you're smart, you don't. If they're collecting, they've got the number.
Remember: Never say "yes" or "I confirm". And keep repeating the phrase: I need a validation of this debt. Demand to know if they are merely repping the original creditor, or if they've bough the whole debt. If they're just repping, then inform them you'll only deal with the OC and hang up on them.
Hanging up on them is NOT the solution sir. If you want a validation of debt put it in writing that way you have a paper trail if they don't comply.
I also don't believe for one minute they didn't tell you what the debt was for. Let me ask you this who was the collection agency that called you?
I also don't believe for one minute they didn't tell you what the debt was for. Let me ask you this who was the collection agency that called you?
You probably didn't provide the information, they were able to get it elsewhere. There is skip tracing software out there that shows family contact information.
The scam is to scare your grandmother into paying money because she wouldn't want her precious little RoJoHen to get into trouble.
You may or may not have a debt that's due, but don't pay anything, give any credit card, checking account or your social security number to anyone. Force them to prove the debt to you and how they came about collecting it. If they won't, then report the company to the Better Business Bureau, the Secretary of State in Florida and your state, and Federal Trade Comission.
I've been plagued with calls for someone that lives pretty close to me with the same last name. Fortunately they have the wrong first name, but it comes up about every 6 six months and it's a pain in the ass do deal with.
You sound just like the guy on the phone. I hung up because he was making me late to work and refused to let me leave. He just kept threatening to report my refusal to cooperate.
And no, he absolutely did NOT tell me what the debt was for. He told me that he was not at liberty to give me that information and that it was already included in the letter I didn't get.
Yes, that's who it was.
The guy's name is David Hine. He works for Hunter Warfield. Google him. The first site that pops up is a complaint board. I am not the first person this guy has harrassed.
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Amaris
Guest
I can't stand it when they won't tell me the details of the debt I supposedly owe. They're evasive and unwilling to part with information I need to determine whether I actually owe something, and for some reason expect me to part with my financial information. When I'm talking to a debt collector, I won't even confirm any identifying information until they confirm it for me first, and give me all the details of the debt, and only if I believe I do owe such a debt.
Exactly! I can't just take it on faith that I owe this debt. I have no idea what it could possibly be for. $3,000 isn't a small amount of money. I'd know if I had a debt that large out there somewhere. I'm certainly not willing to just give some random guy my credit card number without knowing why.
No sir I don't rep Hunter Warfield but I can tell you from experience this is one company you don't want to argue with. They deal with apartment debts and funeral homes. This isn't something you should take lightly because it isn't like a credit card debt where it is sold to a CA after a year or so.
If you owe them it will affect you from obtaining anything you need in the future especially an apartment or home. It sounds to me like it was YOU who refused to identify yourself and maybe that is why the collector refused to tell you what the debt was for.
If you owe them it will affect you from obtaining anything you need in the future especially an apartment or home. It sounds to me like it was YOU who refused to identify yourself and maybe that is why the collector refused to tell you what the debt was for.
I am definitely taking it seriously because I don't want it to have a negative impact on my future credit, but I'm not just going to give up $3,000 to some guy over the phone if he won't tell me why. He already had my information. He knew my name. He knew my phone number. He knew where I worked. I would have been willing to talk to him and figure it out, but I literally had to leave for work. He was making me run late. Even if this debt is legitimate, I refuse to do anything about until I get something in writing proving that it's real. I don't think that is unreasonable.
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Amaris
Guest
Oh, we used to get debt collection agencies calling all the time for things we never owed or never owned. They buy all of these old debts for pennies on the dollar, and turn around and do their best to make a big profit off of it, often many times more than the original debt. I don't trust them.
If the debtor is making the call, he needs to identify who he is and who he represents, and give a generalization of the debt. Once identity is confirmed for RoJo, the collector needs to explain everything in explicit detail.
