1. Debt collectors are NOT under oath when they are talking to you. There are restrictions on what they can say, but exaggeration, saying what might happen if you do not pay, are allowed.
2. They are not trying to help you! They are not trying to work things out, come up with a plan you can live with. They just want your money.
3. You are wasting your breath telling them your life story. They do not care what your situation is, as I say to my clients, they do not care if you are a quadriplegic living alone. THEY JUST WANT YOUR MONEY.
4. Why do they just want your money? Because that is how they get paid; they get a percentage of what you pay.
5. You already feel bad for not paying the bill, (if you owe it) and they will play on that, how only bad people do not pay their bills, and you are not a bad person, are you?
6. They may be collecting for someone who bought the debt at a discount. They may have bought your $10,000 credit card balance for $500. So, frequently, they have lots more room to negotiate than you think.
7. If they play nice with you, the evil boss is staring over their shoulder, and when he figures out what a deal you are not taking, he will get really mad.
8. This debt they are collecting may be past the statute of limitations for your state. That means, it may be too late for the actual creditor to sue you in court. It may still be on your credit report, but, you are safe from a judgment, garnishment or execution on a judgment.
9. You can find a lawyer to talk to for free on the phone about whatever they are telling you. Do not believe anything they say about bankruptcy, or any other law.
10. You cannot go to jail for not paying a bill. It is not child support, or some other court ordered payment.
***** for some reason i can't post the link******
2. They are not trying to help you! They are not trying to work things out, come up with a plan you can live with. They just want your money.
3. You are wasting your breath telling them your life story. They do not care what your situation is, as I say to my clients, they do not care if you are a quadriplegic living alone. THEY JUST WANT YOUR MONEY.
4. Why do they just want your money? Because that is how they get paid; they get a percentage of what you pay.
5. You already feel bad for not paying the bill, (if you owe it) and they will play on that, how only bad people do not pay their bills, and you are not a bad person, are you?
6. They may be collecting for someone who bought the debt at a discount. They may have bought your $10,000 credit card balance for $500. So, frequently, they have lots more room to negotiate than you think.
7. If they play nice with you, the evil boss is staring over their shoulder, and when he figures out what a deal you are not taking, he will get really mad.
8. This debt they are collecting may be past the statute of limitations for your state. That means, it may be too late for the actual creditor to sue you in court. It may still be on your credit report, but, you are safe from a judgment, garnishment or execution on a judgment.
9. You can find a lawyer to talk to for free on the phone about whatever they are telling you. Do not believe anything they say about bankruptcy, or any other law.
10. You cannot go to jail for not paying a bill. It is not child support, or some other court ordered payment.
***** for some reason i can't post the link******
MAKE SURE AND VISIT Tobee's Blogs! 
but they still can be pretty intimating to many
Comment