Collectors

Have you ever had the pleaseure of dealing with a collector on the phone? They are relenless as far as calling. Sometimes they will autodial you ten times a day. Imagine if you have 10+ creditors. That could be 100+ calls a day. Not like you need another full time job taking these calls, right?

And it does not stop there! They call your neighbors and tell them that you are not paying your bills, and to have you call them. Yeah right! Ever hear of the Fair Debt Collection Practices Act?

Or how about this? "If you don't pay us today, we will call your boss next week and garnish your wages!" Uhm, no! You need to sue me first and win. And they can't threaten garnishment without explaining they need a court judgment first. But if you do not know this, you might pay in fear of your boss firing you.

One collection attorney's office called and scared a client into a payment arrangement that she could not afford, and after it occured to her that she had no money for food, the collector said, "if you don't pay us, you will be arrested and your kids will not have you for Christmas." Really? Is it worth it to these folks to sell their souls to the devil for $12 an hour plus commission?

And they try to make you feel bad. "Aren't you a real man? Can't you pay your bills? Do you like stealing from people? That's what you are doing to us!" BS!

And some judges are not so innocent either. If you don't show up to your hearing, most judges will find in favor of the collector. If a collector doesn't show up to a hearing--automatic continuance! If that isn't lopsided, eh?

Now they want to shorten the foreclosure period in Colorado. They want to cut it in half. Ever wonder why I have been representing debtors for 25 years? Everyone deserves a second chance.

Call me!