 I need a company that will give me a personal loan with bad credit to consolidate CC and give me extra cash.? |
| I need the extra cash to pay off some bills that are not credit cards and to put new tires on both of the vehicles. Credit Card Consolidation will not work in my situation. I had good credit at one ... |
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 How is it possible to be in so much credit card debt. please explain? |
| as i understand it you get a credit card where you can spend 1000pounds for example that you dont have so you are effectively -1000pounds but that is the limit is it not? after a grand i understand ... |
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 I have a debt of 7000 on a credit card,would it be wise to transfer it to anothor credit company? |
| if they advertise 15 months interest free,does this whole amount need to be cleared by the end of 15 ... |
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 Will canceling a credit card i have be bad? |
| i have 2 credit cards, the intro apr is about up. i owe no balance on them, can i cancel them and reapply for new credit cards with no apr for the first year with nothing bad happening? like to my ... |
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 I need 100 thousand dollars to get out of finacial debt, but i am bankrupt...what can i do? |
Additional Details
i need to pay off house, pay off bankrupt trustee, pay off car, remodel the house and put some away for a child that is going to college in about another year......... |
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 Can I get a loan from the bank with no credit? |
| I'm talking about a personal loan (for my wedding).... |
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 Collection Agency dipping into my husband's bank account? |
| My husband owed on one credit card totaling $300.00. A collection agency called in June and stated he now owed $900.00...but they would take whatever he could give them at the time. My husband ... |
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 Should I get 2 credit cards? |
| I'm getting at least one credit card for two reasons. 1) to build credit and 2) to get some rewards. I do fairly well financially for a college student and honestly don't have to worry ... |
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 Im thinking of a number between 1 and 1,000,000......? |
Lets see who gets it! come back and check every once in a while if you care because when someone finally gets it ill post it in the "extend question" option
Additional Details
5... |
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 Great credit but no cosigner and I need a student loan? |
| I have great credit and about to pay off my last two credit cards and hopefully my car. I have applied for student loans and they keep insisting I get a cosigner in order to get the loan. Is there ... |
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 Which way is best for me to start my credit? |
I was thinking of either putting half down on a Mac, and paying the rest monthly with their "Bill Me Later" program.
or, getting a credit card for a department store like Macy... |
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 NEED a personal loan to fix credit? |
LOOKING FOR A PERSONAL LOAN. TO FIX OUR CREDIT .
LOOKING FOR 30,000. NEED HELP... |
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 Is $1,500 a month to much as a allowance? |
i get $1,500 every month as an allowance. or at least thats as much as i can spend on my credit card, and stuff.
this cousin ive never met till now, says imspoiled.
i ... |
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 Credit cards? |
How old do you have to be in order to have your very own credit card?
Is is 18? or is it any age?
im 17 and I want a credit card.... |
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sgrjackson1 | Why are bill collectors such jerks? |
I hate collections calls. Is it really any skin off these people's teeth if I pay my bill or not? And what's with the rudeness and judgement, they don't know my financial situation. I just think they'd be more apt to get people to pay their bills if they were more understanding and sympathetic. You know what I mean?
Additional Details
I had a guy scream and cuss at me once, it was awful. |
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Studly
 |
Stuart's answer really pisses me off! He's either a bill collector himself or he lives in Oz where everyone has a nice job, rides around on colored horses and has midgets singing all the time....that tends to make you a jerk.
Everyone who does not pay their bills are not deadbeats! In nearly all of the cases I've seen, people fall behind because of unforseen emergencies. Medical bills, loss of job, unforseen disasters like a house fire or storms. They want to pay their debts but can't.
Where I live, they just closed a couple of auto factories, and in others they are cutting their wages by 30-50%. That sudden lost of income has destroyed their budgets. Yet you want to call them deadbeats?
Hear this! The only reason bill collectors act they way they do is because YOU DON'T KNOW THE LAW! If you know what they are allowed to do or not do, you could put them in their place real quick. |
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LoonieGirl
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Bill collectors or collection agents work on commission. When they don't collect your money straightaway, they get angry because they're losing their commission on you. If you say no straight off, after they've been nice for the first 5 seconds, they no longer see a point in being nice (or even cordial). |
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DC
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They get paid to get you to pay your bills. They use pain and intimidation tactics. Here's a revelation, companies probably have success with this tactic. Some people are angered and refuse to pay because of the collectors attitude. Try t work out a payment plan of any amount to show your intent to pay some companies will work with as little as $10 a month. Ask and see what happens. Most people want to pay their debts they just can't. Hope everything works out. |
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lauriepyx1
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Its because the more payments they get...a higher bonus they receive at end of month...they are trained to be like that |
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casey_leftwich
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Being a jerk gets attention. However, you must know that viewed from a different angle, you may consider them jerks. They are just doing their job. Sometimes, they must be stern and forceful, thereby coming off as being jerks. Also know that many of the customers they're trying to collect from are being bigger jerks.
They may not know your financial situation but they know enough that you are not paying your bills which you are contractually obligated to do.
Also, being nice doesn't get them anywhere. Everyone knows that nice people get taken advantage of. And yes, it is skin of their teeth if you don't pay your bill. Their job is to collect your money for bills you haven't paid. If they don't do their job and collect money, they get fired.
Also, bill collectors get paid bonuses (some have hourly wages or salaries as well). Just remember, they're doing their job. It's your duty to make sure you pay all of your bills. If you are unable to do so, it is also your duty to contact the company, inform them of your situation, and make arrangements. don't wait for them to call you! |
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Doretha B
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They are paid to be. |
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rockerbabygurl2006
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because they think they're all that and because they think they scare you. you shouldn't let them if you're kinda intimidated by them. everyone in my family gets these calls from them and they never answer. that's another thing. if u never answer when they call, answer them next time. that way, you can communicate your issue(s) with them and they know that you know you're in trouble (if u are. i don't mean to act like i know what's going on with you) and maybe they'll be nicer. |
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jannie
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they say the same thing about the people who don't pay their bills too
jerks |
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thegodfather
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They are rewarded for being jerks. |
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younggb77
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I know, they get on my nerves too. Some of them take their jobs wayy too seriously. Like calling me names and harassing me is going to make me want to give you my money... Please |
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DannyK
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No, it's not skin off their teeth.
It's just money they've lost and now have to pay an extra employee and collection service to try and get back to compensate for their losses.
If they cared about every customer's financial situation they would not be in business.
How would you feel if someone you barely knew owed you a bunch of money and they didn't seem all that interested in paying it back?
By not paying your bills you are raising the rates for everyone. |
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FREAKZILLA
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i agree , i did collections for a while , it is much easier to get the money out of the deadbeats if you be nice to them |
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sweetsinglemom
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Some do their jobs more zealously than others. They want their commissions. There are laws against them calling at odd hours, threatening and being rude, so if that is happening, politely ask them for their names and advise them that they are in violation of the law. Then report them. |
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HEATHER
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If you are in over your head go through a non-profit bill consodidation service and it will end all of those calls. |
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JOLIE69
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THEY THINK THEY ARE FULL OF THEMSELVES...or the customers get on their nerves..lol |
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setnilbag
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it's the only job they can get because they have no skills or talents. therefore since they get minimum wage they are grouchy and jerks. |
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BOOTS!
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Thats got to be the worst job out there. Calling peoples house's for money I couldnt emagine. I hate bill collectors they are relentless and they call at all the wrong times. Wish I was the type that payed my bills on time so I wouldnt have to deal!!! |
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psh
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I can't answer why they are rude, but I can tell you that yes, it does mean something to them if you pay your bill. They get bonuses every time they are able to get money out of someone. |
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David H
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Here is what you need to know. It is in your favor when a debt collector uses derogatory language or makes phone calls with intent to disrupt.
These actions are illegal and you can stop them in their tracks. Send this letter:
Name of collection agency
address
To whom it may concern.
After consulting with the Attorney General’s office and a private attorney, I have been advised to put you on notice.
In regards to CASE NUMBER: *******:
I contacted your office to resolve this matter and was treated to abusive language. As a direct result of my contact with your office, I was sent a letter by your office threatening legal action. I have also received numerous phone calls with intent to harass.
Under state collection agency laws (*******) and The Fair Debt Collections Act (15 USC 1692) your office is in violation.
I do not wish any further contact from your office.
Sincerely,
Your name
Address
You will never here from them again. If the debt is bogus, It will disappear from your reports.
As far as the collection account, go directly to the original creditor and make settlement arrangements (if you indeed owe the money). The settlement agreement allows you to negotiate for removal of negative information once the account is satisfied.
Refer to the book "Guaranteed Credit" by Arnold S. Goldstein for more sample letters. |
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dsmith68111
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I think they have quotas to make before the day is over and don't care about your feelings while trying to make their quote. I also wonder if they get extra money for getting your money |
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bayareasportsfan
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Because people who promised to pay their bills on time and don't are jerks! |
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legendoftheweepingwoman.com
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Unfortunately there are those collectors that are rude & judgemental. But being formerly in a collections/billing position at the company I work for I can also understand how it is that some agents get to be that way. After a long 8 hour day of people screaming, yelling & blaming you.... then put that in a long work week... a month... ETC! I'm really glad I'm not in that position any longer, but I could write a book from all the excuses I would hear. Not only the excuses, but what would get me the most would be those people who would call in blaming the company, wether it was they didn't receive their bill, or their service would supposively not work correctly. Yet they would wait about 3 months to call in? Right when their service would be interrupted for non-payment? And they would yell & threaten to go to the competition? I felt like telling them "You know, they're also going to require a monthly payment from you."
I guess it works both ways... You get crazy customers & crazy agents, you'll get a variety cause they're all people, and people tend to have very different personalities. But I would say the general rule is "kill them with kindness"... It's VERY hard for someone to continue to be rude & mean to you, if you're being extremely nice right back to them. Next time the collectors call you, just try to remember that they're just doing their job & the previous call they just made was probably a rude customer so they're no in their best of moods right now, so imagine if you're extra nice to them? They're going to first be pleasantly surprised at your reaction & they'll be more than willing to answer all your questions & help you the best way & nicest way they can. :) |
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alana l
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Hello, I am a bill collector and I have never been called a jerk. I respect both you and the business that I am employed with. I listen to you and also try and work out something that best suits you and me. Have a good day. The happy bill collector. |
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Stuart
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I'm probably not going to get 'best answer' on this one, but here goes:
Collectors are calling to get you to pay money you owe. If you're not capable of paying money you owe, you shouldn't borrow it in the first place.
And, it's a little bold of you to talk about someone who's calling to ask about money you owe when you are a deadbeat.
Finally, if you call over and over again, and keep hearing the same lies and sob stories, eventually, you become a jerk about it. I'm confident that, after your call, the collector asked his co-workers why deadbeats are so rude or mean or whatever.
It's a two way street. |
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