Are All Debt Collectors Pains in The Rear?
By pyewacket
@pyewacket (43903)
United States
July 13, 2007 12:10am CST
Okay here is the scenerio....My mother died last August 27, 2006--almost a whole year ago. Now when a person dies, whatever money that person owed or had debts to a company, especially like credit cards terminates with them....By law, survivors aren't obligated to pay those debts...unless of course whatever debt it was, say a loan, etc was a joint account.
When my mother died, I did cover letters, filled out forms and sent copies of my mother's death certificate to each and every place my mother had debts too. So you would think that's that, right?
No siree. Wrong-o. So here my mother's gone almost a year, and I'm still being hounded by some of these debt collectors, including the jerks at the hospital where she died. Early on, when she first died, I sent a copy of her death certificate which in a way was dumb, as this was the hospital...so of course it was on record she had died. A month after she died, I get a call from these jerks, and even she said I wasn't obligated to pay the bill....oh, sure like I could cough over, over $6 grand at a blink of an eye...NOT...So this person says, send a copy of the death certificate..Like duh? I already did that,but sent another one out anyway...another month passes by...same thing..Same woman, and she says we're still waiting for the death certificate..I sent it, I sent it , I sent it...But send another one anyway--Long story short..I'm still being bugged by not only these people but other collection agencies.
Like what the he!! does it take to get these people off my backs already, almost a whole year afterwards? I'm thinking, gee, maybe I should go to the hospital to their billing/payment office. Say whoever is there, my mother would like to pay her long over-due hospital bill. Here she is...and present them with the jar with my mother's cremated remains....or how about this, suggest we hold a seance so she can pay the bill
Has anyone else gone through this aggravation when a person dies, and is hounded by collection agency for debts that aren't your responsibility to pay??
16 people like this
15 responses
@66jerseygirl (3877)
• United States
13 Jul 07
yes,I did.For the first year my mom passed,I kept getting hounded.I kept telling them that what they were doing wasn't legal and they kept insisting it was.I finally had to end up telling them i was getting a lawyer and they finally left me alone
2 people like this
@pyewacket (43903)
• United States
14 Jul 07
so you know what I'm going through then....all these collection agencies suck..and their tactics of phone calls is actually against the law
1 person likes this
@66jerseygirl (3877)
• United States
14 Jul 07
yea,I know it is just like I know it's illegal to pass the debt to another agency like they do . sometimes I would get 3pr 4 phone calls a day from the same company
@pyewacket (43903)
• United States
14 Jul 07
Oh another winner...say you did just call these jerks....two hours later, you're getting a message call from the exact same people!
1 person likes this
@BarBaraPrz (47313)
• St. Catharines, Ontario
13 Jul 07
Not this exact scenario, but a few years ago someone I thought was a friend would put my name and phone number down as a "contact person" on her various accounts... as well as using my credit card for certain business expenses that she would pay back...
Well, long story short, she skipped town and didn't pay any of her bills, including the $4500 she racked up on my Visa card. I kept getting calls from collection agencies wanting to get in touch with her. Eventually, it got through to them that I didn't know where the heck she was and that she in fact owed me money, too.
I'm still paying off my Visa bill.
2 people like this
@pyewacket (43903)
• United States
14 Jul 07
Gee what a "nice" friend...and you have no idea where this person is....and in the meantime left YOU to pay her debts..that stinks big time
1 person likes this
@howard96h (11640)
• New York, New York
13 Jul 07
A close friend of mine went through the same thing and what he done was, when mail for her arrived, he wrote on the envelopes "DECEASED - RETURN TO SENDER" and it finally stopped.
2 people like this
@pyewacket (43903)
• United States
13 Jul 07
LOL--believe it or not I've done that...still doesn't seem to work!! Like for a full year almost I've been writing Deceased...Return To Sender to my mom's mail too
1 person likes this
@LittleMel (8742)
• Canada
16 Jul 07
Almost. I bought some things from a liquidation place and an insurance company called me asking if I can help them find a certain company who makes certain items that this liquidated business used to sell. I didn't help them. I felt that if I said I could, they would go after me instead of this liquidated business. The business went down, so there is nothing they can do to get money of her, they supposed to go to the liquidator for that. I was just one of the buyers of her assets from liquidator I know nothing about how it went down and I didn't even buy the items they said this business used to sell.
@LittleMel (8742)
• Canada
16 Jul 07
glad you like it. I find it funny. it's free avatar and I think I'll be changing it again if I find more humorous ones
@pyewacket (43903)
• United States
16 Jul 07
Yeesh..aren't all debt collectors dense?
Oh by the way...your avatar is hysterical...I was watching it...The way I yell at my computer at times it's a wonder it doesn't do that to me--LOL
1 person likes this
@joice86 (1078)
• Philippines
13 Jul 07
Hi pyewacket! Huh, I am sorry for that one. I think it is not right that you are the one that is being asked for something that you did not do, even if your mother is the one who had all those debts.
For me, I was never in that situation yet but then, if I will be in that case, then maybe I will not pay those companies and explain to them that I am the one who used the money so why will I pay for it.
2 people like this
@Perspectives (7131)
• Canada
14 Jul 07
Sorry to hear the aggrevation quotient is off the top of the scale...and with good reason. Blinkety--blank red tape you can get strangled by it.
Most beaurecrats we've dealt with never knows what the left and right hand are doing. Maybe they figure the harrassment will eventually force you to pay...just to get them out of your hair..off your back..or wherever they happen to land.
One thing we did when involved in a matter that neeed 'proof' the papers had been sent. We simply sent a copy by registered mail...or a local delivery service..UPS or whatever you use. Make sure it is properly addressed to the "inept" party...then they have to sign for it and you proof it was sent and received.
When she calls tell her to take a hike or you'll be seeking legal action against her for harrassment.' Veiled threats can do wonderful things. Also when she calls why don't you simply say...I am not here to handle your ineptitude..it has been sent...deal with it...good-bye! You could also get an unlisted number and only give it to people you want to hear from. Could be one way of cutting down on your aggrevation quotient!
Hope it all works out soon pyewacket...you have more important things to be doing with your time and energy...the debt collectors are part of the old energy around your Mom. Fascinating that her 'old ties that bind' are still trying to bog you down. Sever those energy threads...time for her and her issues to move on to the other side instead of being Earthbound around you. Right?
@pyewacket (43903)
• United States
15 Jul 07
Oh yes, do plan to sever those energy threads!! I know exactly what you mean here
1 person likes this
@Perspectives (7131)
• Canada
16 Jul 07
I know you know my friend...and trust you will do it when the time feels right. It feels to me like she is having trouble letting go...could she maybe have something she needs you to know before she can move forward.
That happened to one of my girl friends...we'll chat about it another time.
@gabs8513 (48686)
• United Kingdom
19 Jul 07
As far as I am concerned there should be a law against and you should be able to get them for Harassment
These People are insensitive Bs
How can they do this and cause Pain like that what prove do they want
Like you say shock them and go in with the Ashes put it in front of them and tell them here is your Mum to pay her Bill and I mean with them all that are Harassing you
Hugs to you Sweetie
@TerryZ (22076)
• United States
13 Jul 07
Oh thats just terrible. I dont blame you for being upset over that. I dont think these people really think. Because if they did they wouldnt be doing these stupid things. If people were hounding me I would have to just tell them were they can go and just hang up on them. And I would get my phone number changed to a private one. I was getting hounded before we moved on a couple of medical bills which I didnt have the money to pay. And now my number has changed and its private so they cant get it. Unless I give it to them. Yea right I dont think so.LOL These collection companys are so brutal. I finally have peace again.LOL And I hope you soon will get some peace too.
1 person likes this
@pyewacket (43903)
• United States
15 Jul 07
All collection agencies are pains in the "A"--and by calling all the time it's illegal to boot as it is harassment
@emeraldisle (13139)
• United States
14 Jul 07
Oh I've had my share of dealing with debt collectors and what a pain they can be. Not with your exact situation but with others. We have one that has been calling not only us but my parents for one person who may or may not be one of us, there happen to be at least 10 people in the tri-county area with the same first and last name as my sister. They just call anyone with the same last name and try to find a person willing to pay it. They try to make it sound like they have a warrant for my sister's arrest for a debt and so on. They try to make it sound like they are with the prosecutors office. Nice huh? They get very pushy and threaten a lot of things. It's all garbage.
I would suggest you look over the Fair Debt Collection Act. You can find it here:
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm
Anyone who calls you on it tell them they are in violation of the act. That you want their full name, business name, phone and address. Most will hang up before giving you that information. If you can contact the original bill holder, for example the hospital. If you can go in with the proof, don't mail it, and get them to write it off or write something out that says you do not owe it. Then if the creditor calls again tell them it was settled, the date on the paper and so on. Tell them they need to contact their office and not you anymore. I did that with one bill and that stopped them cold.
Good luck with this.
@emeraldisle (13139)
• United States
17 Jul 07
Good I'm glad you will. There is one other way to get them to stop calling, although I don't recommend it. Start swearing at them especially with the more fouler words, they won't call again. I only resort to that when they get abusive, for example shouting at me or they threaten me with the cops showing up at my door to arrest me for not paying a bill (yeah I've actually had them do that).
@pyewacket (43903)
• United States
15 Jul 07
I already printed up a copy of the Fair Debt Collection Act..it clearly states in SEction 806 number 5 that such calls are a violation---yes do plan to get this settled!
1 person likes this
@irisheyes (4370)
• United States
14 Jul 07
Yes, i think it takes a real pain in the a** to be a debtcollector. I once worked with a guy who was a realtor at the time but used to be a debt collector. At first I thought he was a really nice guy and could not understand how he could ever have resorted to dunning people. Well, he didn't dissappoint. The guy turned out to be one of the biggest creeps around. I think anyone who would become a debt collector is basically a bully/ coward personality. They can't do a damn thing but rant and rave and nobody pays any real attention which is not to say they are not annoying. They are very annoying but they just are not very effective. LOL
1 person likes this
@pyewacket (43903)
• United States
15 Jul 07
I wonder how they would react if someone was hassling them though? LOL
1 person likes this
@KrisNY (7590)
• United States
16 Jul 07
Wow—so on top of dealing with the loss of your mom- you have to deal with bogus- crazy- debt collectors- Just doesn’t seem right- Especially with the hospital- Cant they look up the records and see she passed away there! Hello?? I’d threaten them all with your lawyer- Tell them when they call it’s harassment and the next time they call- you will contact your lawyer to get in touch with them- Even if you don’t have a lawyer- might make them back off- Luckily I haven’t had to deal with this- I wish you luck- and sorry to hear that your mom passed away.
@eaforeman6 (8979)
• United States
14 Jul 07
These collectors are on auto dialers now and they will also call way too many times...some of them I think may be in violation crossing over to harassment..Not that they care......They are trained to squeeze people for every dime that they can get...and their jobs depend on it....so thats why they will never stop.... if you answer and its them start talking in pig latin or some foreign language....and maybe theyll give it up.....
1 person likes this
@pyewacket (43903)
• United States
15 Jul 07
Thing is the messages from them on my machine are messages themselves --not real people--
@sumofalltears (3988)
• United States
13 Jul 07
I would check with a legal aide and see what can be done. I would also start keeping copies of every letter you sent out to these people and then maybe you can go to the courthouse and get a cease and desist order. You do not have to put up with the aggravation.
1 person likes this
@pyewacket (43903)
• United States
14 Jul 07
You should see the pile up of letters I have...at least I'm organized and make photo-copies in triplicate of everything I've sent out
@morgandrake (2136)
• United States
14 Jul 07
I just realized that Vogons are not the worst species in the galaxy.
@morgandrake (2136)
• United States
14 Jul 07
Yes, all bill collectors are pains. I have one bill that has repeated cropped up, despite it having been paid years ago, as it switches from one bill collector to another. The last one that got it said that if I disputed the bill that they would send proof of its existence--I asked for proof while saying that it was paid already, and then I got a reply saying that it was my responsibility to prove that the bill was paid (it was paid years before), otherwise I was obligated to pay it all over again. I chose to ignore them.
My question is how would your mother feel about a seance? I think it would be amusing to do it; imagine the looks on their faces. LOL.
1 person likes this
@pyewacket (43903)
• United States
15 Jul 07
Hmm...hehe...I don't think my mother would mind a seance...LOL
@Jaahda (31)
• Australia
21 Jul 07
That is terrible !!!!
And it was interesting to read the thoughts and experiences of other people.
Last week I wrote up a Report so I could get my head around what has been happening to me. I thought WTF and published it as an eBook to help raise legal costs.
I'd be real interested in hearing from anyone in Australia who's been harrassed by either AVCO or ACMS. Reply via my relevant discussion please.
If you look at the preview available on the site I published it on you can get an idea what they are doing to me.
Good luck with getting your message thru their apparently thick skulls.
Jaahda Jinnah:-)