Filing Personal Bankruptcy Help

Most know exactly what a collection agency is – and what the nature on their business is. Those who have been through it, will tell you that financial debt is hard enough to face on its own, without being made nearly unbearable by a debt collector with an attitude.

Wouldn’t it be fun to deliver a little pay back – so the world’s collection agencies get a little taste of the pie they’ve dished out to others over the years? Well, in the interest of keeping the playing field leveled – and to have a laugh – here’s a few ideas to put into play, that might balance the scales a bit if you’re ever stuck in a predicament where you’re phone has become the enemy:

Just say NO! Nowadays, it’s easy to tell when you have a debt collector on the line, as most agencies have started to use a screening process. This is so they won’t waste time bullying the wrong person – which can spell legal trouble for THEM, down the road. How it works is when a person answers his phone, a canned voice comes on and tells him to confirm, or deny, if he is the person they’re trying to reach. The person is usually instructed to state “yes”, if they’re confirming, or to just hang up if they’re not. If you agree you’re their person, a live being will come on the line to commence the torture games. If you hang up – they’ve been informed they’ve made a mistake.

A better – and really hilarious – thing to do, is to wait for the recording to stop and a live person to come on instead. This is your entry – before they even say Hello, start screaming at the top of your lungs that “they have the wrong person again, you’re starting to get really “shaky”, and you’re warning them to stay away, because your “mind’s getting worse!” Pull this scene on every collector who harasses you – eventually, some will probably fall away, not wanting to waste anymore time on a crazy person.

“Speak in a weird language” – This works even if you do pick up the phone, and suddenly realize the person asking for you is a debt representative. When they ask for you, say something like, “Just a moment and I’ll go get him.” Then say loudly – so they hear you – “It’s for you”. Wait a few moments, then pick it up, pretending to be someone who can’t speak a stitch of the national language. Trudge through anything they say, and make sure to throw in a few semi-coherent one syllable answers to certain questions – so they think you might understand them after all. When they’re starting to feel like they have the upper hand again, suddenly go into “gibberish overdrive”, and act like you’re confused. You will find that the agency may start to decrease their phone attacks after a while.

Play “lonely” – A surefire way to get those collection calls to stop is to demand attention from your caller. That’s right. Act needy and starved for human attention. Start off by exclaiming how good it is to hear any human voice – then follow-up with the hour-long sad story of your contagious limb deformity that’s prevented you from working and paying your bills – as naturally, you scare off job interviewers the moment they see you. Be sure to keep the person on the phone, redirecting the subject at hand, back to you and your woes. Keep bugging them to call you later, or ask for their home address – so you can visit them in person. This tactic will probably cause the representative to “lose” your name and phone number – at least until someone else at the agency has to take over.

This article’s real intention is to provide a few laughs to someone who may need one – as well as ease the heavy burden of a serious situation. It should help you remember there’s a rainbow at the end of every storm, if you should need one.

Want to find out more about a good collection agency, then visit Burnstein and Burnstein’s site on how to choose the best commercial collection agency for your needs.

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