Well let me start by saying that i don't have an account with this company and hope that im never in the position to have to get a loan with them. I am a collector myself and in my 15 yrs of being in this business have i ever had to resort to name calling, or harrasment. I work for a subprime lender. With that being said.. i will admit that there are some customers that are profesional debtors but most of these customers are trying to reestablish their credit. How can they if they have a collector that won't even take the time to resolve the account and save it from having it to go to repo. These collectors would probably get further if they listened and tried to find the root of why a customer has fallen behind. No one ever wants to discuss their hardships.. but when you explain to a customer the benefit of speaking with you and explaining what is going on.. and that you may be able to assist them in some way .. they will talk to you and will be more willing to make arrangements and actually keep the arrangements. If a collector is harassing you or name calling you ask to speak to a manager, If you still don't get anywhere there write a letter. If you decide you don't want to get calls only correspondence write a letter asking them not to contact you via phone. By law they can not call you if you have requested it in writting. i have met some crazy collectors in my last 15 yrs. but they don't seem to last in one place that long. You as a customer have more rights thatn you can imagine. And while they are telling you that you are no good .. or what ever it is that they are saying please know this that they probably (and in most cases do) have worst credit than the customer. You can also complain with the the better business bureue. I came across this company by mistake while trying to find some information on another company. I hope this is of some help to some of you.
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