You wouldn't have to if you paid what you owe to start with! Great advice....how many times have you filed bankruptcy? Or are you one of the ones that is going to pay your phone bill for a phone you don't answer so you can get away with something. Not paying for stuff you bought is STEALING....and if you have a credit card financial genius...I'd recommended you read the fine print. It is legal to sell defaulted debt. And if you think avoiding it is gonna help well enjoy 7 years of whatever avoiding it gets you. (Bad credit, a phone that rings all day long, legal actions and knowing by not paying it YOUR stealing. So great advice!! Run credit cards up, furnish your house with stolen goods and when the original creditors get sick of your crap deal with whoever they sell your debt to. And fyi, I bought a house....a week later my mortgage was sold to another lender....does that make my house paid for? Loans are bought and sold all day long! You still owe it just different owner.

Sara B my credit is flawless love, and i don’t get any calls, credit cards are zero balance as well, still not paying any collections when I can just remove them

@@yugihlh ok well the honest thing is paying what you owe and kudos if your flawless...but you don't get there by making excuses and avoiding.

@@yugihlh so pay this guy... pay his fees to settle your debts for pennies on the dollar and make promises....more people are scammed by 3rd parties that make empty promises than by taking care of it themselves. Don't pay collection agency....pay yugioh he will fix you right up!!

Sara B thank you! Email me so we can become more acquainted!

English is your native language?

So true

Sara B and don’t you feel like shit trying to collect money from someone who really doesn’t have the money? Especially since it’s not even owed to the collection agency, it’s owed to the original creditor. It’s so great now though, we all know our rights when it comes to collection agencies, so you losers have no chance of collecting that $200 bill from 10 years ago from someone. I have no debt, but I’ve done extensive research so I know what collection agencies are like.

@@SakuraaaHarmony No I don't feel like crap....I collect all day long and if someone wants their circumstances to change then we work with them to do things the original creditors couldn't or wouldn't. They do owe the money and if you read the fine print on any of your credit cards there is mention that account can be sold if defaulted on. It's still legally due. And everyone thinks they're an expert because of something they read online. If you handle your finances based on crap you read well good luck to you!! Hope that gets you everything you ever wanted. *bankruptcy, debt consolidation with shady companies, years of not being able to have the car you want, house you want or credit score you want! Because that is all CHOICE! I sleep fine at night and feel I am doing my part to help people with a second chance. People will tell you anything to get off the phone and try to avoid it, but a week later call back and pay the full balance that they OWE. So while I have empathy for people and what they have gone through I know "where there is a will there is a way" and if someone truly wants to recover from financial hardships that takes making some action. We have an entire legal department and I guarantee collecting debt is a legal process and we follow the laws to the full extent. I hope you feel like crap telling a single mother of 5 she should feel bad about providing for her family with the BEST career possible to do that. I'm a person too! (But I'm a person with excellent credit and that doesn't come to those who make excuses!)

Wow.. you are a pro.. guidance required from you.. help help...

Yda Dane Mallari I was wondering the same! Do they give you a script for answering the questions? Des that really happen when you are working in a call center?

Fatima Arias I think there is only a guide for answering it but it's yours to answer the rest.

Fatima Arias I am surprised they dosent provide qutestion and answer sheet .by directly how could we understand properly .. organisation should provide sheet for that .it's disgusting ..😤😤😤

Summer O'Day so calls centers are hell?

Meriam Vitanzos how your experience yet in your job as a call center representative

Бд9бюллюю99

Not all agencies buy the debt they collect. They are hired by the creditor to collect the balance on the creditor's behalf.

the debt was paid off when the person signed the contract

I know you're just saying. Collection agencies have the right to collect debt. FDCP

Well I beg your pardon....I bought my house, one week later my mortgage was sold ...does that mean I don't owe it? Your so smart!!

Yeah, we are more equipped now than ever. Knowing our rights and such protective forces such as FDCPA and FCC... don't those words make you shiver? hahaha! and phrases like "Oh... you BOUGHT my debt from my original debtor and I am not under contract with your third party or obligation to give you squat." ROFL, Oh, the joy of wasting debt terrorists' time on the phone. Call me, lets have some fun... no wait... never mind, my debts are already past the STATUE OF LIMITATIONS. ahahahahahahaha!!!!