I read the debt collectors manual--and used it!

[lookingforward]

I read the debt collectors manual. On my first ever collection call that I received, I put my new knowledge into effect. In the section that talks about the "psychological pause" in the manual, that is so true!!! The guy gave me the psychological pause. I said nothing and waited. And waited. He must have the exact same manual, because the call was almost a blue print of the manual. Eventually he said "hello?" which was really funny because he was all confident and pushy at first. Thanks so much whoever posted that. It made the call a whole lot easier.

[treehugger1]

Things can really funny, the more you know. I think the first few times one answers the phone it can be a bit intimidating, but after a few (calls and beers) you quickly learn that when you just listen for extended periods of time, they lose the edge and have to go searching for other things to actually make you speak.
in writing.

[Intoodeep80]

Where can I find said manual?

Id really love to look through that!

[danaf]

A friend of mine gave me a copy of that manual a long time ago. All is good and well if you don't have a job (ie. can't get blood from a turnip). But forget it if you do - they will come after you with judgments....esp. in these times.

[lookingforward]

A copy is on the sticky at the top of the page.

[treehugger1]

I would not assume that creditors "will come after you, in these times." In these times, creditors/CA's will, as always. go after the low-hanging fruit (those who do not exercise their rights.) I believe companies are looking for quick cash RIGHT NOW, not 6 - 12 months from now. However, and I'm tired of saying this, anyone who has access to your small claims court system would be dumb not to invest $50 - $150 to force you into court or mediation.