Our beloved Collection Agencies.

[Raziaar]

Obviously the title is bullshit.

Anyways, I wanted to make this thread for us to share our universal LOVE... otherwise known as HATEHATEHATE, for credit collection agencies. This was inspired by the constant bombarding of calls i'm recieving from one particular one called West Asset Management.

If you remember a while back, I had a problem with a really bad ear infection, and had to go to the hospital to get some antibiotics(god, why can't I just get it without paying a fortune?), and total it cost me around 700 dollars. Apparently whatever the medical company was, never filed the insurance paperwork, and so after we eventually did not pay a debt until we were aware we owed for a couple years, it was passed on to a collection agency. Now this collection agency is still saying we owe them around 200 dollars.

Which is absolute bullshit. Although I can say, "Fine, we do owe you 200 dollars". In order to be sure of the ACCURACY of this statement, I request that they provide me actual documentation proof detailing the fact that we owe them this amount of money. In their dubious ways, they keep saying they have sent us the paperwork telling us. Yeah... they sent it to us alright, they sent us paperwork telling us to give them money. Right. Like i'm going to trust that alone. I need actual legitimate legal documentation, stupid! The law is on my side. I ask these dumbasses what FDCPA means and they can't tell me. But the stupid thing about all this, even if I can resolve it, I can't erase that stain on my credit report for 7 years or so. Though... I don't use credit for anything anyways... at least I haven't yet. I have a philosophy in life that tells me to stay away from credit cards, generally.

Anyways... please feel free to a bitch s about s your a encounters s with s collection i agencies n and a how you t hate e them.

 

[CptStern]

man you need to get yourself insured ..in the long run it's worth it ..surely the monthly premiums are better than $700 lump sums

btw the collection agencies are completely ineffectual ..they cant do anything they say they claim they can do ..if they say "we'll have our lawyer contact you" ..you say "good" because that means they have to spend money to get you to pay ..which they wont do because it's not worth it ..all they can effectively do is give you a bad credit rating

 

[Beerdude26]

In Belgium, we don't have this kind of shit. If you're a valid member of the country, you have automatic "insurance", e.g if you need medicine you pay for it and the state gives you back the cash for like 90%.

 

[Raziaar]

man you need to get yourself insured ..in the long run it's worth it ..surely the monthly premiums are better than $700 lump sums

btw the collection agencies are completely ineffectual ..they cant do anything they say they claim they can do ..if they say "we'll have our lawyer contact you" ..you say "good" because that means they have to spend money to get you to pay ..which they wont do because it's not worth it ..all they can effectively do is give you a bad credit rating

I can't afford it. I'm out of work.

And that time was the first time i've ever been to the doctors in my life except when I was a young kid.

But at the time, we used my dad's insurance.

 

[CptStern]

you're over 21 right? or under? .. cant remember ...surely your parents insurance covers you while you still live at home

 

[Raziaar]

you're over 21 right? or under? .. cant remember ...surely your parents insurance covers you while you still live at home

I'm 21 currently. I don't know if my parents insurance can still cover me now.

But it did then.

And who says i'm living at their home? You've always assumed that despite everything I say to the contrary :-P

Though I may have to soon if I can't find another job.

 

[CptStern]

hmmm then how can you afford to live outside of your parents house if you're unemployed? ..I havent assumed anything ..I'm just going by available evidence