Creditors Interchange is nasty eh?

[hopeforus]

I haven't been answering our phone at all but decided to start answering lately since BoA has been calling our neighbors and that's not cool. First National was decent yesterday. But these guys just called and dang... snippy snippy snippy.

I hung up when she started getting the least bit nasty so I can only imagine how bad it would have gotten lol

[albacore44]

I haven't been answering our phone at all but decided to start answering lately since BoA has been calling our neighbors and that's not cool. First National was decent yesterday. But these guys just called and dang... snippy snippy snippy.

I hung up when she started getting the least bit nasty so I can only imagine how bad it would have gotten lol

What CC company assigned your debt to them ??

[hopeforus]

What CC company assigned your debt to them ??

Chase. Total is about 6k.

I made the mistake of saying we'd be doing bk soon (I can't believe I did that and this is why I hated my husband answering the phone because he says too much. I was good at just saying "no money goodbye" before LOL) and then she started yelling at me asking for my attorney's name. Well I don't even have one yet and she said "How can you afford to pay 3k to file bankruptcy if you can't even afford to pay us?" Which is a stupid stupid question anyway as far as I am concerned. I just said "I don't need to talk to you anymore. I said I can't pay you. Goodbye".

Now hopefully they won't push it through to a judgment faster now that I mentioned bk... ugh.

[albacore44]

Chase. Total is about 6k.

I made the mistake of saying we'd be doing bk soon (I can't believe I did that and this is why I hated my husband answering the phone because he says too much. I was good at just saying "no money goodbye" before LOL) and then she started yelling at me asking for my attorney's name. Well I don't even have one yet and she said "How can you afford to pay 3k to file bankruptcy if you can't even afford to pay us?" Which is a stupid stupid question anyway as far as I am concerned. I just said "I don't need to talk to you anymore. I said I can't pay you. Goodbye".

Now hopefully they won't push it through to a judgment faster now that I mentioned bk... ugh.

Yeah, just started getting lots of missed calls from Chase. the seem to call from a 503 area code like every 15 minutes. when i run back the message I just hear a recording like 5 seconds long that says "press 1"

[hopeforus]

hubby said he has been getting tons of calls this morning. Was practically threatened by Citi he said. He had to answer his phone since he thought it was someone from work. Ugh.

[LuciluS]

NCO calls once a day & leaves a message. Chit, I'm not even sure who it is with, we have some many CCs. Some in my name, some in DH & some joint.

NCO left a message while I was talking long distance. Retrieve message & it said please hold for an important message. I hit the delete our messages button. I'm not holding for anybody.

These people are Nasty! What the sam hill they think we can do? Magic Tricks & instead of pulling out a rabbit, pull out money? & it's none of their dang business where we come up with the money to pay bk attorney...screw em! omg..did i just say that? That's not like me, but I'm tired and hurting.

i've worked on our medical bills for Jan-May. I'm trying to tie the EOB from the insurance co. to the medical bill. MEMS (ambulance bill) is trying to get me to pay more than insurance says I owe. Dang...I've got to big ole folders full.

Maybe that's when I need to answer their calls, when I'm in Pain! Because I get Mean

Luci

[albacore44]

NCO calls once a day & leaves a message.
Luci

NCO..........I think thats Cap 1. Had a missed call on my cell Saturday, Googled it and it came up someone reporting getting called from NCO at that # for Cap 1 debt.

[LuciluS]

NCO..........I think thats Cap 1. Had a missed call on my cell Saturday, Googled it and it came up someone reporting getting called from NCO at that # for Cap 1 debt.

Hmmm, that's only little ole me and I'm on Disability. I need to type out a list of these phone numbers & be able to quickly glance at it. Cause I'm Mad At The World Today & would enjoy taking it out on a Bill Collector ROFLMAO!

Luci

[treehugger1]

Creditors Int. can be dealt with by a cease and desist communications letter. In my opinion, they have been scrutinized by enough attorneys (maybe even state attorney generals) that they can play by the rules.

[hopeforus]

I was wondering about that but then wondered if that would bring on legal action sooner based on what I've read in other threads. I really need to wait for us to find out if we are getting a loan mod before we file...

I hate waiting for everything. I really do. I'm getting more confused as days go by...

[JustOverBroke]

Chase. Total is about 6k.

I made the mistake of saying we'd be doing bk soon (I can't believe I did that and this is why I hated my husband answering the phone because he says too much. I was good at just saying "no money goodbye" before LOL) and then she started yelling at me asking for my attorney's name. Well I don't even have one yet and she said "How can you afford to pay 3k to file bankruptcy if you can't even afford to pay us?" Which is a stupid stupid question anyway as far as I am concerned. I just said "I don't need to talk to you anymore. I said I can't pay you. Goodbye".

Now hopefully they won't push it through to a judgment faster now that I mentioned bk... ugh.

Just tell them that since you are not paying them anymore you can now afford the 3k for the lawyer that gets those little hairs on the back of there neck standing on end it really ticks them off then just laugh at them and hang up.

[hopeforus]

We really need to just retain a lawyer... I have a hard time figuring out how to find a lawyer that's good.

[notadeadbeat]

THEY are horrible! I finally changed my house phone number! I also went onto all my CC
accounts online and chaged them to a bogus phone number in anticipation of all this before I even went to the lawyer! I have enough on my mind and feel bad as it is and don't need this crap!

[Ifonly]

i've worked on our medical bills for Jan-May. I'm trying to tie the EOB from the insurance co. to the medical bill. MEMS (ambulance bill) is trying to get me to pay more than insurance says I owe. Dang...I've got to big ole folders full.



Luci

Don't let them swindle you. If the EOB says you're responsible for X, then X it is. My favorite thing that insurance companies do is to deny charges from radiologists, techs., etc. based on them not "being in network." It's such a scam and they count on people not knowing better. For instance, NO anestheologists (wrong sp) are in networks. If you are in a network hospital referred by your networked dr., they have to pay these specialists as if they were in network. They pulled that on me with my epidural when I had my son. If I wouldn't have called the insurance company and disputed it, I would have coughed up $1,000 out of pocket. And when you call them and say, "um, I'm pretty sure I'm not supposed to bite on a stick and take a swig of whiskey for my surgery and I don't pick my anestheologist." , they don't even bat an eye. They say, "we'll put the claim in again and it will be adjusted." Meaning they KNOW they're supposed to pay it. They just like the odds of you not knowing they're supposed to pay it.

[landofpoor]

I haven't been answering our phone at all but decided to start answering lately since BoA has been calling our neighbors and that's not cool. First National was decent yesterday. But these guys just called and dang... snippy snippy snippy.

I hung up when she started getting the least bit nasty so I can only imagine how bad it would have gotten lol

I treat crediters interchange same as the others no talky.