Stupid Collection Agent !!!

This is just what my husband did to a phone call from a collection agent yesterday. But the problem was the person on the other line accused him as a liar ‘Cause he believed that the one he’s looking for is just there and just don’t want to talk to him. He even told my husband that he will be sued for trying to hide a person who has in debt with them, and this statement made him angry. He even told that person “Why don’t you go ahead here to see for yourself!” then that’s it his day was ruined. If these people talk like these even though the person they are talking to is not the one they need then what more if he’s already dealing with the right person.

Will you call this as harassment? Of course it is, this agent was trained by their company to be rough and have a heart of stone to their client who can no longer pay their debt for any reason. And why wouldn’t they be, they get extra income or commission for every client they successfully convince to pay their outstanding balance. I am not against them but I think using inappropriate words in dealing with clients is not the right way to convinced them to pay. It will only make the problem worse, because some of the people who are in debt with the bank are actually just afraid to deal with them since they know they will be humiliated for not paying. Some of this individuals still want to pay their outstanding debt but are too afraid to ask the bank to make their loan in installment since they can’t pay the total amount in full. On the other hand, some people are really hiding since they don’t have any plan to pay.

Just some word of advice, for the collection agent you can still be tough (cause you need to be one) but also you should be polite in talking with your client. I tell you that the client will be shy and would not want to entertain your call, but I hope you can give them a list of ways to help them pay their debt easier.

While, to those delinquent account holder, I know that some of you really don’t want to abandon your debt but since we are encountering economic crisis and some unavoidable circumstances you have no means to pay your debt. But since it’s a financial obligation, you must have the strength to face them and ask for their help. You will see that the bank will offer you many ways to pay your debt with them. Some banks give amnesty program that will help you pay your outstanding balance in installments. On the other hand, if you don’t have any source of income and you’re even struggling to have a meal in your table at the moment, then ask them that you are not forgetting your debt with them but you don’t have the capacity right now. Tell them that once you can stand back on your feet you will pay them immediately. But make sure you will really do it. Put all this conversation in writing and convince them to agree with it.

What ever happens in life we should always remember to live life to the fullest!