The Truth of Credit

April 28, 2008

April was a successful month as I was able to reach my goal for the month and had some wonderful surprises at the end is always exciting. Today for my particular file, the higher ups moved all the accounts into a pool until we get our new business accounts which won’t be until later next week. There are pros and cons, as you will see as I go through the day.

8:42 a.m.: I am able to finally get in contact with young female from Connecticut. I know I caught her off-guard on the phone which is a good thing for me.  She accepts that it is her responsibility to pay the debt and sounds interested in settling the account. However, we get down to the point of paying and she balked. She states she does not have her checking account information readily available. While this is understandable, it makes me pessimistic; nobody turns over that easily and now I think she is just telling me what I want to hear. I guarantee it is going to be hard to get her back on the phone.

9:15 a.m.: Contact an older female from California recently coming off a bankruptcy dismissal. She is not happy about the amount of calls that she has been receiving and from looking at her file I can’t blame her. She curses and calls me every name in book but unfortunately for her that’s not going to stop the calls. After trying to get her to focus on the problem at hand she states she is going to refile for bankruptcy but does not have attorney retained yet. I explain to her that I will need the attorney information to stop calling but she did not want to hear this and hangs up on me.

11:00 a.m.: Skip-tracing time for a a debtor that owes over $125,000 to my client. Obviously he is a player because you don’t get that much credit working at the GAP. So today after some searching I finally got a hit on Google. Looks like he was into some mortgage fraud scams and obviously has bigger issues like keeping his ass out of jail. I have been really been turning up the heat on this guy but now I’ll let off a bit even though $125K is a lot to walk away from.

12:15 p.m.: Why is it that I every time I’m in the break room people are talking politics? The funniest part is that the majority of their comments are ignorant to certain current events, but I know when to keep my opinions to myself.

1:34 p.m.: A third party calls me. Ex-wives will literally give you information without even asking. This particular woman is in a custody battle with the debtor and has been trying to get child support. She goes on to tell me where he works, his cell number, and his new girlfriend’s number. I would have never found this info otherwise. I thank her and take her number off my list.

4:45p.m: Call to attorney from Nevada. This guy is the epitome of arrogant. He goes on to tell me that I have violated FDCPA three times during the call. He thinks that I’m harassing him by calling his family and at work. After several exchanges he refuses to talk about the debt so I forward it to my manager. This is a common stall tactic used especially with people that think they know the laws.

The TRUTH is on the last week of a given month you will see a rise in the amount of calls you receive. I personally do very little skip-tracing when they pool the accounts, which means a lot more calls for you. 

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