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Re: Help....Please tell me I didn't screw up!


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Posted by Keyser Soze (152.163.253.37) on June 23, 2003 at 23:32:12:

In Reply to: Help....Please tell me I didn't screw up! posted by Jennifer on June 23, 2003 at 18:21:41:

Dear Jennifer;

You are experiencing precisely what the collection agencies try to induce - fear, panic, self doubt. They collection agencies work like any other thug except that they are dishonest cowards, unlike brave honest crooks - relatively speaking - who commit their crimes in public where they as well are vulnerable.
Collectors hide behind a phone stituated in some outhouse basement well beyond the city limits. They call and say whatever it takes to frighten, sicken, shock, and otherwise coerce you into giving over money which you may or may not own.
The first step to taking control you have successfully accomplished - you acknowledged your fears. Same for the second step - you took control by writing in and asking intelligent questions. Try not to worry about any mistakes you think you made, no one gets very far kicking themselves in the behind. You are by legal definition not an expert and cannot be expected to understand the complexities of the FDCPA and other collection regulations.
This is in your favor as the collection agency scumbags are considered legal experts, they have no excuse for their routine violatons of the law. Why do they break all the rules? Because most people sadly don't know they are being victimized, they are afraid, embarassed, just what the agency bullies hope for.
You have taken some great strides towards getting your lives put back in ship shape. Don't let a bunch of greaszy creeps from some collection agency derail your plans, you are far more valuable than some stupid debt which the creditor has already used as a tax loss.

Best,

Keyser Soze

"It's like a plastic horned devil."
- Captain Beefheart, "Telephone", 1980


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