Dave Ramsey – Credit Card/Debt Collectors are SCUM
My hero, Dave Ramsey, tells of abusive practices and the violation of Federal law incorporated by debt collectors – particularly credit card debt collectors. Most people do not know that they have rights guaranteed to them by the Fair Debt Collection Practices Act (FDCPA) and debt collectors knowingly and habitually break these laws in order to frighten them into paying. IT IS NOT AGAINST THE LAW TO OWE MONEY! Do not allow yourself to be lied to (example: “You’re going to go to jail if you don’t pay this” is one of their favorites!) or treated without the dignity you deserve. KNOW YOUR RIGHTS UNDER THE FDCPA: Collectors can NOT call you before 8 am or after 9 pm Collectors can NOT threaten to have you arrested or charged with a crime if you dont pay Collectors can NOT continue to call after you have indicated you want them to stop (record your conversation with them, tell them you ARE recording it, write the date and time down in a journal, and follow up with a certified letter stating they may no longer call.) Collectors can NOT call friends, family members or colleagues repeatedly in order to get you to pay (they may call your acquaintances ONCE in order to track you down and may NOT mention that you owe money or give ANY information that would lead someone to believe that they are attempting to collect a debt.) For more information on your rights under the FDCPA, please visit my website at www.myarrp.com (click on the “Help With Credit” link at the top.) To the scum …
Dave Ramsey – Credit Card/Debt Collectors are SCUM
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I created a parody video skit in response. Many of the debt collectors believe the propaganda a company president states to them, as in the letter read, thus do feel in the right when making such calls. Now I will not disagree about the higher ups, but is it fair to blame the lower level employees?
Dave Ramset is a uniformed ignorant person regarding this subject
This guy is beyond retarded….
this guy is is retarded seriously
Pay your bill and I wouldn’t have to call.
I had a debt collector harrass me in the past who tried to make me feel as if by ‘not paying my debt’ I was responsible for 911, Too often than not they are scum!
Tell em’ Dave…..
Ok learn how to spell. It is “You’re” not “your”. You obviously didn’t read the post. Damn it was in two parts after all. First off I am no longer in the industry and second as I said I have seen both sides of the story. I had managers who would get away with murder and others who never raised their voice once to someone on the phone. Nobody wants to get in debt but America as a whole is addicted to debt. If a person is in debt they should brush up on the FDCPA ASAP to learn their rights
@TWGRY80 Thats a very ugly comment. Your the jerk that threatens blue collar hard working Americans that are drowning in debt because they don’t know any better. Your part of the problem not part of the solution. People like Dave are part of the solution so why don’t you just shut your mouth you scum debt collector.
@1debtcollector You obviously don’t know Jack about Dave Ramsey Haha. Dave Ramsey is not in debt. He is a very wise Christian man that has helped hundreds upon thousands of people get out of debt. I have just started following his Total Money Makeover and I have already paid off two credit cards and am continuing to make progress everyday. Wise people get out of debt and save their money you fool.
(((—CONT She had just gotten the #, and on the other hand people thanked me for listening to their tale of hardship. The FDCPA is highly outdated it strictly states that verification of a person’s info must be provided by the debtor. A collector cannot go talking about the account to anybody they get on the phone. Unfortunately due to ID theft many people will not provide verification because they think someone is trying to screw them over. And their fears are validated constantly.
Wow this Ramsey guy is a FUCKING PRICK and has no idea what is he talking about. As someone who used to be in collections I’ve seen both sides of the coin, worked with people who should have been sued long ago and others who took extraoridnary steps not to break the law. It’s a four sided coin I have been sworn at, called this name and that one time got called a child molester when calling a # for the first time. Got a 13 year old girl by accident. CONT—-)))
@Jbuonocore what a piece of shit this guy is hes a debtor he owes money and he plays the game to dodge his debts.im sure his wife or husband cant stand him,so he makes these stupid videos to make himself feel better HE IS A DEBTOR and is why we all pay higher interest ratesget a job u loser
insane really. ID theft is a crime, passing bad checks is a crime, but not paying bills is ok.
At the end of the day if collections is even car repos, home foreclosures are just as evil. Mr. Ramseys use cases of rogue non-compliant collections that should land anyone in prison. In summary his speil is a load of crap from 09. Collection agencies were the wild west back in the day but have cleaned up or at least sued into oblivion. These days most agencies are super compliant. And all the rogue collectors left, because they just don’t make as much money anymore.
They want their pitbull to handle it, that pitbull is a collection agency. People need to be realistic, yes bad things happen to good people. But good agency don’t steal from your bank account, nor do they try to rip you off. Do we try to get you to pay as close to the balance as possible, YES, but you signed the contract and plenty of people pay all their interested and late fees also. Also in the end the lower your settlement the harder your 1099 will be on your taxes.
I work for a extremely large agency and have collected on student loans, credit card debts, homes cars etc. You name it I have probably worked on it. The problem with Mr. Ramseys comments are this: most original creditors want nothing to do with the consumer any longer, once you have defaulted and haven’t paid for so long.
i like this guy, I agree with him totally!!!
@Kenzofeis cont-in addition to that,this industry has made me rich.by age 33 i had a million dollar cake w a party ato celebrate because I had 6 zero’s in my checking account.I mean who wouldn’t love that man?If you walked a day in my $500 dollar shoes, smoked one of my cigars and hit the links at the club im a member of you would just chuckle if someone wrote to me what you did.Theif? Troll?sure I am pal!BTW I’m opening my own agency next month so if you need a job just shoot me a msg ok bud!
@Kenzofeis sorry say again.I geuss i didn’t understand your comment as I was busy looking up specs to the motor of my new boat.Look-I am not pro dtr nor pro debt collector.All I’m saying is this industry is what it is and myself my wife and kids have a lifestyle that I am very happy with.I amke more in a month than some do in a year.I love that.I’m good at what I do and both yourself and the other hater that commented on what I wrote can hate collectors all you want
I work for a debt collection agency for commercial debt but here is why the economy needs debt collection agencies….for all you people that think debt collection agencies are scum what are you going to do when your own job has unpaid accounts receivables and they can’t collect then your own company has cash flow problems and then in turn can’t pay YOU?? and then you can’t pay your bills collection agencies are needed for the economy deal with it
I agree fully with Mr Ramsey. Collectors and Law firms “gone collector” are scum. It seems way too many collectors from top to bottom have the “Jesus Syndrome” and think they can get away with just about anything other than murder…and I’ve heard of threats of murder even.
If sued, Elect Arbitration- JAMS and AAA.
It allows a Debtor to go on Offense, and charge creditor with $ Violations on FDCPA- FCRA, they break the law every time they collect a debt.
Debtor Boards advocates this, if you dont know your rights, you have none.
Get your case Out of Court, elect Arbitration, it costs Creditors $3000-10000 to pursue it, most wont.
NAF- declared a Fraud and moratorium, Arb is now working!
Creditors have No note, Affadavit is bogus & $ Securitized
GRANDIZER CASH…. google it get a fax machine and a computer not linked to you such as a library and a safety deposit box and i will show you how i picked myself up off from the street’s and made money with no investments my ideas are Sneaky and tactfull and you will thank me when you get the info that is designed for two pages you will realize you dont need a book to make the money you need the PROTO -TYPE WAYS
@yourturbinisdirty1 he does make a good point here. People don’t show up to court when they are sued by debt collectors. Collectors win 90% of cases because the person doesn’t respond to the lawsuit or show up for court. Show up to court prepared if you get sued!!!