So, here I am...post discharge by a good 45 days and my phone has a message on it that "this is a call for Ms XXX....if this is not Ms. XXX please hang up...." Yep...we all know the recording...it's a Collection Agency and for once I'm happy to call them back.
Okay...knuckleheads are an agency that has obviously swooped up some old medical debt that I had....which I know full well I claimed...the original creditor was sent notice and this particular CA was not on my bureau at the time of my filing. (If they had been, they would have been included on my matrix....I included the CA's on my matrix in addition to the original creditor if they were listed on my credit bureau.)
So, I tell them "Well, you're a bit late here. My BK7 was discharged on March 5th... and the original debt was included."
"You filed on March 5th?"
"No. The BK was discharged on March 5th. It's closed and done."
"We didn't know anything about this...."
"Of course you didn't....you weren't listed on my bureau and I notified the original creditor. Considering that I pulled my bureau exactly 7 days before filing, I can safely summise that you purchased this debt probably at the beginning of the year.....my Bankruptcy had already been filed by then."
"Who was your lawyer?"
"I filed Pro Se on November 19th....the 341 was December 18th and it was closed and discharged March 5th. This original creditor for this debt was included and I consider this matter finished."
"Do you know your case number?"
"Sure. It's blah-blah-blah-blah."
"We're going to have to see your bankruptcy filing to make sure this debt was included."
"No, I think you're going to make a note in your files not to call me again....you're going to take your shark tactics somewhere else. I know how you people operate. You try to intimidate folks into paying money and that won't work with me. In fact, any further communication from your office will be considered harassment and may result in a lawsuit being filed."
Can these people really be this friggin' dense? Actually, I think it's a further sign of the current economy...anything to get a buck.
Okay...knuckleheads are an agency that has obviously swooped up some old medical debt that I had....which I know full well I claimed...the original creditor was sent notice and this particular CA was not on my bureau at the time of my filing. (If they had been, they would have been included on my matrix....I included the CA's on my matrix in addition to the original creditor if they were listed on my credit bureau.)
So, I tell them "Well, you're a bit late here. My BK7 was discharged on March 5th... and the original debt was included."
"You filed on March 5th?"
"No. The BK was discharged on March 5th. It's closed and done."
"We didn't know anything about this...."
"Of course you didn't....you weren't listed on my bureau and I notified the original creditor. Considering that I pulled my bureau exactly 7 days before filing, I can safely summise that you purchased this debt probably at the beginning of the year.....my Bankruptcy had already been filed by then."
"Who was your lawyer?"
"I filed Pro Se on November 19th....the 341 was December 18th and it was closed and discharged March 5th. This original creditor for this debt was included and I consider this matter finished."
"Do you know your case number?"
"Sure. It's blah-blah-blah-blah."
"We're going to have to see your bankruptcy filing to make sure this debt was included."
"No, I think you're going to make a note in your files not to call me again....you're going to take your shark tactics somewhere else. I know how you people operate. You try to intimidate folks into paying money and that won't work with me. In fact, any further communication from your office will be considered harassment and may result in a lawsuit being filed."
Can these people really be this friggin' dense? Actually, I think it's a further sign of the current economy...anything to get a buck.
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