collection agents can sometimes be nasty
June 12, 2008
There are a lot of people who experience credit card debt. This may be due to some financial crisis in the family, or a sudden issue on your employment. Either way, you will have difficulty managing your monthly dues and this will lead to having your credit balance balloon drastically because of miscellaneous bank charges. So in effect, you tend to hide from the collection agents because they bug you and compel you with paying an amount which you can’t just pay at the moment. They have their right to call you endlessly, of course. But sometimes, there are just some who harass you like you personally owe them the money.
I personally have experienced this because I sometimes pick up calls for my officemates. There was this instance that a collector was looking for a specific colleague who was always out of town because of the projest he’s handling. I told her(the agent) that she might want to call my officemate on his mobile phone because it is a personal matter. The company is not liable for anything anyway, right? The agent then got mad and accused me of hiding my officemate, and even requested the call to be transferred to our HR manager. When our HR manager talked to her, she was still mad and still giving us false accusations. Out of anger, we asked for the agent’s full name and her supervisor’s. We filed a complaint directly to the bank’s head office and asked them not to call us again. We even told them how their agents lack customer service skills and that they should enhance their training. From then on, that particular bank never called our office again and looked for my officemate.
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The FDCPA is an important component in protecting yourself against attacks like this and that is what it is an *attack*. The FDCPA is regulated by the Federal Trade Commission and these people can be sued for their behavior. It is illegal for them to harrass people and they bet on your ignorance of the law.