Don't let bill collectors scare you

Don't let bill collectors scare you

There are 29 comments on the TwinCities.com story from Apr 6, 2009, titled Don't let bill collectors scare you. In it, TwinCities.com reports that:

Tough times mean that debt collectors are talking even tougher. And they will scare you - make no mistake.

Join the discussion below, or Read more at TwinCities.com.

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Cybear

Hugo, MN

#1 Apr 6, 2009
How can anyone take your article seriously if you do not even know what the words mean. "Garnishee" is not a verb; you do not "garnishee" someone's wages. A "Garnishee" is a person whose wages are being garnished.

http://www.answers.com/topic/garnishee
eastsider

Minneapolis, MN

#3 Apr 6, 2009
i just ignore their calls and letters.

Since: Feb 08

Springfield, MO

#4 Apr 6, 2009
I only worry about those who can drink turnip blood.
pffft

Saint Paul, MN

#5 Apr 6, 2009
It's not like there is debtors prison anymore. What can they really do?
Ridiculous

Hudson, WI

#6 Apr 6, 2009
Deby collectors are ridiculous. It's a full on recession. Give people a break. Those who CAN pay their bills DO. Those who cannot, Do NOT. Its pretty hit or miss. If you have to force someone to pay, chances are that you are putting them in a worse situation than before. Just give people a break for a while. GEEZ
Ask The Right Questions

Eau Claire, WI

#7 Apr 6, 2009
You have the right to a validation of debt, including the original contract, with your WET INK signature, in other words the original. If your loan has been sold you do not have a contract with this new company, no contract no debt. You can request that all correspondence be by USPS, no phone calls. To correspond with these companies use certified mail with the certified number contained in the body of the letter!! This is important because even if the mail is signed for they can claim that there wasn't anything in the envelope. Always if these jerks call on the phone tell them nothing but that you will only accept messages by the USPS. Don't give up! If they keep badgering you they are violating the law and you can get money from them!!!
bright idea

Minneapolis, MN

#8 Apr 6, 2009
how about this?

PAY YOUR BILLS!

Notice the first example here is of a woman who simply didn't want to pay her debts. Finally she figured out that she couldn't re-negotiate with easy payments of $50 because she lost that deal. So she borrowed the money and paid her bill like a good debtor.

Irresponsible borrowers cost us all more money!
bright idea

Minneapolis, MN

#9 Apr 6, 2009
Ridiculous wrote:
Deby collectors are ridiculous. It's a full on recession. Give people a break. Those who CAN pay their bills DO. Those who cannot, Do NOT. Its pretty hit or miss. If you have to force someone to pay, chances are that you are putting them in a worse situation than before. Just give people a break for a while. GEEZ
Yeah, sniff...sniff...poor debtors who don't want to pay their bills. I guess when they cut back on: restaurants, cable tv, unnecessary shopping, Christmas gifts, other extravagencies, then collectors will "give people a break for awhile". Most debtors, except credit criminals, just don't want to do what needs to be done to pay their bills.

I loved telling people what to do with their money.......PAY YOUR BILLS!
bright idea

Minneapolis, MN

#10 Apr 6, 2009
eastsider wrote:
i just ignore their calls and letters.
Yeah, this financial wizard is probably living real well, making all kinds of good financial decisions. If you paid your bills you wouldn't get calls and letters.....imagine responsibility.
bright idea

Minneapolis, MN

#11 Apr 6, 2009
steve baker wrote:
I only worry about those who can drink turnip blood.
.....said the vegetable......fact is, most people pay their bills and do what needs doing....i.e. cutting back on extra expenses like a normal person. Debtors ignore their responsibilities and still live wayyyy beyond their means because they don't want to change their ways. Adults modify expenses and behaviors as needed throughout life to deal with contingencies.
American Sheep

Lima, OH

#12 Apr 8, 2009
Ridiculous wrote:
Deby collectors are ridiculous. It's a full on recession. Give people a break. Those who CAN pay their bills DO. Those who cannot, Do NOT. Its pretty hit or miss. If you have to force someone to pay, chances are that you are putting them in a worse situation than before. Just give people a break for a while. GEEZ
Yea just let everybody run up credit card debts and fail to pay them, so the ones that do pay have to pay a higher interest rate. Just another blame game by people who are irresponsible with their money. It only affects the educated people who don't blow their money on needless things.
Government Foe

Royal Oak, MI

#14 Apr 8, 2009
bright idea wrote:
<quoted text>
Yeah, this financial wizard is probably living real well, making all kinds of good financial decisions. If you paid your bills you wouldn't get calls and letters.....imagine responsibility.
I'm willing to bet the bad/negative judgments you're receiving are from the irresponsible fools who don't pay their bills.

For the most part, I agree with you, though one exception should be considered and that would be for those who were taking the responsibilities but lost their job due to the rough economy. Otherwise, most people have no idea how to balance checkbooks, maintain a minimal balance on their credit card, have no idea how to be a thrifty shopper, etc. Most people spend beyond their means then realize they are in over their heads with debt. Simply put, total irresponsible spending, then they cry foul when creditors are contacting them for their money. The credit card is the main culprit for those with no self control.

Bottom line, you get yourself into the mess, then get yourself out of it. Pay your bills so the rest of us don't have to suffer with higher cost and interest rates for your stupidity.
American Sheep

Lima, OH

#15 Apr 8, 2009
Government Foe wrote:
<quoted text>
I'm willing to bet the bad/negative judgments you're receiving are from the irresponsible fools who don't pay their bills.
For the most part, I agree with you, though one exception should be considered and that would be for those who were taking the responsibilities but lost their job due to the rough economy. Otherwise, most people have no idea how to balance checkbooks, maintain a minimal balance on their credit card, have no idea how to be a thrifty shopper, etc. Most people spend beyond their means then realize they are in over their heads with debt. Simply put, total irresponsible spending, then they cry foul when creditors are contacting them for their money. The credit card is the main culprit for those with no self control.
Bottom line, you get yourself into the mess, then get yourself out of it. Pay your bills so the rest of us don't have to suffer with higher cost and interest rates for your stupidity.
Great point, but remember it's easier to blame everybody else then to accept responsibility for their actions.
attn_required

Minneapolis, MN

#16 Apr 8, 2009
eastsider wrote:
i just ignore their calls and letters.
I'm with you, just hang up on them and then go bankrupt!! 10yrs later....just do it again!!!!
JRR

Minneapolis, MN

#17 Apr 8, 2009
Could I get a few billion dollar bailout from the current administration so I can pay my bills?
mick

Lima, OH

#18 Apr 8, 2009
attn_required wrote:
<quoted text> I'm with you, just hang up on them and then go bankrupt!! 10yrs later....just do it again!!!!
Yea you're a real winner. Ever heard of taking responsibility? Probably not, your just a typical loser. You can thank people like me for paying your bills for you, idiot.
Pay For The Rich

Eau Claire, WI

#19 Apr 9, 2009
mick wrote:
<quoted text>
Yea you're a real winner. Ever heard of taking responsibility? Probably not, your just a typical loser. You can thank people like me for paying your bills for you, idiot.
You mean like the whole country is now paying the bills for the rich, once again, with this "Stimulus" Package??? They are out to get the last out of us. The next thing they will ask for is all the people to use suppositories and use the result to fertilize their fields!!!
attn_required

Minneapolis, MN

#20 Apr 9, 2009
mick wrote:
<quoted text>
Yea you're a real winner. Ever heard of taking responsibility? Probably not, your just a typical loser. You can thank people like me for paying your bills for you, idiot.
I'm being sarcastic....D.U.M.B.A.S.S!!!! !!
mick

Lima, OH

#21 Apr 9, 2009
Pay For The Rich wrote:
<quoted text> You mean like the whole country is now paying the bills for the rich, once again, with this "Stimulus" Package??? They are out to get the last out of us. The next thing they will ask for is all the people to use suppositories and use the result to fertilize their fields!!!
It's a two way street, the banks give out massive loans to people who know they can't repay them. They are both in the wrong.
mick

Lima, OH

#22 Apr 9, 2009
attn_required wrote:
<quoted text> I'm being sarcastic....D.U.M.B.A.S.S!!!! !!
Yea I bet.

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