Granted, yes, I know the economy sucks, and everyone has suffered in one form or another; but really, some of these debtors could go jump a bridge and I wouldn't care. [Well, I would care, but only a little.] Some of these debtors deserve to win an Oscar for some of the lies that they say. They all seem to think that a medical excuse grants them a free pass [or in some cases, the debts have magically disappeared because a fairy godmother paid it off for them (which has happened once to one lucky debtor whose godmother did pay for her debts that incurred while she finished her vet school -debtor had no clue she owed some big company money and her godmother stepped in. lovely story really; wish I had a godmother like that!]. They also like to say that they never received a letter about this debt and why should they pay for it if they never told that they owed, etc (which really how could you forget you owed money to someone? hello: if you use a credit card, the balance on it doesn't magically disappear, you moron).
Loads of shit, I tell you. Especially the ones who say they never received a letter because a) it so happens that I wrote the letter that was sent to you so, yes you did just lie to me, b) you were sent a few letters indicating that yes, you do have a debt, and yes, you do have to pay it back and yes, if you don't pay for the debt, your wages can be and will be garnished because the court says so.
I feel bad for them, but at the same time, I don't because who in their right mind doesn't pay back an enormous amount of money? Here's a clue: if you pay it back as soon as you have the money, you don't have to worry about the interest accruing or hell, being taken to court because you didn't pay in the first place. [Also, this will cut down the bullshit I hear when your dumb ass calls in giving me a sob story about your daughter whose boyfriend is cheating on her and how your daughter wants to murder this other girl... etc etc.]
I've been on the other side of this. I've had collection agencies call me before about debts* and you know what? Some of these collection agencies truly want to help you. Not all, but some really do, like the small consumer law firm that I work for [we don't just handle these types of cases, but we also handle other cases, too, and I wish we didn't have to handle divorce cases for they are downright depressing].
Anyways, this ends my rant [for right now] about debtors and their damn stories.
*My naive self didn't know that my then ex-fiance opened accounts under my name, and when I graduated college, ha, was that eye-opener or what. And yes, I'm still working on paying those debts back. Consider this as a lesson learned the hard way.
