Debt Collectors VS. Debtor-Friendly Society

Collecting debt is basically all I have done since high school; after one customer service position – I realized it was not for me. It takes someone with thick skin to walk out the door at the end of each day with their head held high, when you collect debt for a living. The names I’ve been called would make my grandmother blush. The amount of times I’ve had phones slammed down in my ear… might be in the millions. Countless times people’s anger has been taken out on me...& I’m one of the nice ones.

The debtor-friendly society we live in has enabled a lousy character for people in my profession. The reputation a bill collector hangs over their head is, most times, exaggerated to say the least. I’ve been surrounded by bill collectors my entire adult life, they’re fairly pleasant people just trying to make a living.

They’re not monsters. They’re not holding a personal grudge against the person they are calling. They are doing their job.

Regardless whether the debt was incurred due to irresponsibility, an accident or even something completely out of the debtor’s control… It should be paid. Services were rendered, products were sold and whoever supplied the goods – deserves at the very least – to have the debt acknowledged.

Since being promoted to Business Development Coordinator at the small agency I work for, it has become even more apparent just how much our culture caters to individuals who don’t take care of their debts. While trying to research strategies for sales and marketing, I’m bombarded by tips & tricks to help get out of paying debt. A plethora of printable form letters to cease collection agencies from contacting you.

Information available to assist collection agencies is limited. Why is that? Would it not be more beneficial as a society to work on getting these delinquent debts paid instead of helping people flat-out avoid their obligations?

[There’s an upside to this…us in the industry, we have something called “job security”.]

4 thoughts on “Debt Collectors VS. Debtor-Friendly Society

  1. Ugh, I know how this is. I had a job in accounting and I had to call all the customers with past due invoices. One guy even asked if I was mentally challenged. A stress ball is needed in order to survive those jobs.

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  2. It drives me crazy that people spend out of control and then feel like they shouldn’t have to pay their debts. My wife has a friend (at the friend calls her that) who makes about three times as much as us, but because of the way we spend, is always envious of how much money we have and how well we spend it. While she is barely making ends meet, she is still constantly trying to keep up with the Jones and spending money on embarssing things that no one in her situation should ever be buying. We got lucky and have a house that is completely paid for and for that we are thankful, but for the most part the reason why we have money when we need it, is we keep our CC only for stuff we can pay for month to month and we pay for things like cars and phone bills much more than are due etc. I know my dad would say the same thing about job security because he worked for Citibank CC’s and he would say that we would be his worst customer. I also know how hard it is as I have worked in customer service for so long too.

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  3. See, I get mean, but only when the debt collector is being stupid.

    In one instance, I threatened to stab their eyes out with a fork. I knew when I was saying it that it was an empty threat because how could I possibly get to them? but it made me feel better.

    In this case, they called AFTER I had put my son to bed, which already put me in a bad mood. I then calmly explained “I have no money, I cannot pay anything right now, I am unemployed, in school full time, and a single mother. There’s nothing I can do.” (In good cases, the people say “Okay, I understand, but I can’t take you off the call list so the calls will keep coming.” in which case I reply “No problem!” — I know I got myself into this mess, I don’t expect no one to call me about it). Anyway, the guy KEPT pushing. He wouldn’t stop. I repeated myself several times and he wouldn’t give up. Then I got mad and threatened him, and slammed the phone down.

    If you’re nice to me, I’m nice to you. If you’re going to push me, I’m going to push back. Harder.

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