Harassment when and how can I stop them?
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Posted by JO
(205.188.208.41) on September 09, 2003 at 07:44:11:
I have a debt with S e a r s and I attempted to negotiate down the interest in order to pay it off. However, I was told NO. I was also told by a representative that I once had a 15% rate but slow pays messed that up. This was a Total lie! I have decided to allow this to charge off so I can pay it off. I can not keep throwing good money after bad. They ding me with $35 for late payments and over 21% interest rate. I’ve Even tippled the min. payments I still get no where. 2 years of this and I have reduced my debt by $200. They made a lot of money off of me. I’m not whining, this is just how it is. Here is my real problem. When I told the wonderful reps at S e a r s my intent, they got nasty! They are calling, telling me I have to file bankruptcy. How devastating it is going to be to my life if I don't pay. Tonight, the lady told me I wasn't a Christian, when I told her to read the notes on the account, that I tried to negotiate with her company and I wasn't going to make a payment. No kidding, that is all I said to her. Now they have taken away my morals and basically called me an atheist. When they call, they do nothing but argue, when I tell them I am not going to pay and why I am not . I repeatedly tell them I tried to negotiate, but they refused, so they have left me no option. I use this same speech over and over with them. They repeatedly harass me. Why do I have to tolerate this abuse? They are not speaking to me about collecting a debt but are calling me names, telling me I am going to have bad things happen to me because I am not paying. How it will forever effect my life.... So many things not related to the debt. Who are they to predict the future and inform me of my personal downfall? This isn’t right. When do they cross the line? These lengthy conversations that should end, when I state why I am not going to pay, are they harassment? Out of the 4 calls, I have only received 1 nice rep. This is crazy. Should I record the calls? Who can I report them to? When can I report them? When is their behavior considered harassment? Thanks
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