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Just a Bill Collector **warning long**


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Posted by Just a Bill Collector on January 31, 2002 at 17:48:15:

I would like to thank everyone for railroading my response to each topic. I stumbled onto this site, made real recommendations, just to be brow beaten by a few respondents. While I will agree that many bill collectors don’t conduct themselves in a manner that would deserve any type of respect. I have tried to make the best recommendation to each debtor I have ever spoken with. I have never threatened, brow beaten, or intimidated a debtor. The answers I have give are realistic. I pride myself in giving a response that allows a person to make a decision on their own, rather than being talked into settlements, or bankruptcy when it may not be in their best interests. It has been made painfully clear that a few people are so biased that they will not allow a "Bill Collector" to speak his or her opinion.

For the few that are interested in my opinion, I will be glad to answer them. I have created an email address that allows me to remain anonymous, however I will answer all emails as able. This is done to protect my identity for job security purposes only.

As to the remarks about retirement, home equity, and morality. While I don’t suggest that everyone redirect his or her debt, it is a plausible idea. It allows people to reduce their monthly payments and better their financial outlook. It is a personal decision that should not be taken lightly, just as the decision to file bankruptcy should be taken seriously. Many people struggle for years trying to get out of debt only to find they have buried themselves deeper. The interest rate has increased significantly, the over the limit fees have started to add up because the payments don’t even cover the interest, and to top it all off now they are late because they have to pay their usual payment plus any amount they are over their limit.

The reality is, each person is responsible for making the decision that best suits them Bankruptcy, settlements, credit counseling, refinancing, redirecting. Each of these are possible solutions to a problem that plagues far to many Americans. No two situations are the same, and only the debtor can decide which one is best for them.

As far as the fact that credit card company’s make to much money. This statement is a ridiculous as it appears. Credit card companies are in business to make money, the same as any other business. They have an obligation to their stockholders to actively pursue any debtor who would default on their contract. Before you make such harsh remarks, consider the consequence. Credit companies make it possible for people to obtain possessions that they need and cannot afford to pay for now. When people allow their desires to power their spending habits, they are forced to make the decision of how to handle the debt.

Fact is, people are responsible for controlling their spending habits. Credit card companies do make it easy to obtain credit, but you are not required to use it. A realistic comparison would be drugs. They are easily and readily available, however drugs don’t plague anywhere near as many people as credit cards. This is because people know and consider the ramifications of drug use, maybe its time to do the same with credit.




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