Reply #8: I pissed them off

[Gore1FL]

I was being harrassed after I separated from my wife. My cards were blown out from her medical bills, and shopping sprees, so the week after I moved out I went to Consumer Credit Counseling Services (They suck, IMO -- You're better off going chapter 13 -- you end up doing it anyways if you use them...)

One card, despite being paid, kept harrassing me and wanting more a month, yet they refused to talk with CCCS. likewise CCCS refused to talk to them. So basically, i had a card wanting more money, and a service that was supposed to negotiate with them who wouldn't speak to one another...

They start off by saying "The purpose of this call is to collect a debt and all infomration obtained will be used to do that".

When the calleer refused to confernece CCCS in to our call, I pointed out she lied, because if all infomration obtained would be used to collect the debt, then she would, in fact, use the number I provided to clear the situation up.

Well the long and short of it is that we spent about 10 minutes going around and around with me the entire time pointing out the contradictions of her statements and actions.

She was sooooo Pisssssssed!

I don't think we talked about the debt after the first minute. I don't they are typically put on the defensive in that way. It was nice to return the harrassment.

The long and short of it is that they eventually sued me, and i was forced to take a chapter 13. They now get a $.25 on every dollar for their efforts instead of the full amout (w/ interest) I was trying to pay them.

Stupoid Bastards.