For myself; I lost a lot of business because other companies lose the're customers too!

The only thing I've done is to scramble to find new work and cut back on my expenses.

I don't feel sorry for the banks or lending places. I am sure most people have tired to work with them and their excuse is it's in the contract and we don't refinanace, etc..
So to those credit collectors tell them when they get a person in there that will redo your loans etc.... you will talk not till then. These banks and such seem so stupid to me just think of it this way if they did refinance that loan you have now what? Yes idiots at the bank and other lending places you would be making more money in the long run. How stupid are these people at banks and lending places? There is no law saying a mortagage has to be 30 years. Refinanace at lower rate for 40 years. Credit cards companies also stupid. Wouldn't you much rather have the person pay what they spent and forget about the over limit charges late payment etc... Your not getting anywhere harrassing them they don't answer you or hang up on you. When are all these finanical wizards gonna wake up. I have a High School Education and if it were me I would work with the person and at least recoup some of the money even if it wasn't all of it. After all look at it this way some money is better then none and no you don't have to collect all the interest stated in loan agreements. You choose to. So wake morons in the Banks and Lending places. Work with the person not against them. But I am sure you found that out now.

The year 2008 was not a really a great year for most us because of the Global Economic Crisis that we are experiencing until now. A lot of people got on the ball with debt consolidation, and many took out a payday loan to help them through lean times and to avoid bank fees. Financial planning is on a lot of people's minds as they are setting New Year's resolutions. Dips in the economy has gotten a lot of people thinking about money saving tips to get a little extra cash in their hands. They were also on the lookout for advice on how to handle their finances a little better, how to avoid having to take out a payday loan and how to prepare for things like the awful contemplation of unemployment – which has hit over 2.5 million more people last year, and some money management tips certainly can help anyone out. There are numerous sources for good financial advice, like Personalmoneystore.com, and access to the advice on the website is completely free to anyone. You can read the article for yourself on the payday loan money blog at personalmoneystore.com

Right there goes back to what I said about taking out payday loans. Ma'am just hang up when they call. I really doubt your debt is high enough for them to ever decide to do anything about it. I do not like those type of collection calls but these people who started this sight want everyone to think everyone is like that. Send a cease and desist letter & let the chips fall where they may. I truly do not believe anything will happen to you. You are one of the people who could not help what happened and not like a lot of these people who just don't want to pay their bills. I wish you the very best.

Some of this comments must be made in jest, like the shrude comments guy. The bank I work for is getting nothing in the bailouts because they had the foresight to see what was going to happen in the housing market & took steps to help mortgage holders before it got out of hand. Now have they lost money, of course. But what gets me is people taking out mortgages on homes they can't afford, which was caused by the democratic congress, but thinking they still don't have to pay. Six months after all these peoples mortgages were restructured & lowered their payments by a great deal they still haven't made a payment. And on credit cards, what is it that makes a person think they can go get a credit card & it's OK not to pay it back, it boggles the mind. Where do you guys come up with this. Are their some people who have had something so bad happen that they just can't pay, of course, but the majority of people just got behind then start making up excuses in their head why they shouldn't have to pay & then start believing their own mind set. When I see anyone take out a $300 limit card & won't make $15 a month payments then don't tell me they can't, it is they choose not to. So think what you want but if you buy into what some of these people say then I feel sorry for you. The credit card delinquency rate is getting so bad it is going to be the next housing crises & then who will you have to blame then. Grow up for Gods sake.

Capital Collections based in FL, continues to harrass me. On November 30, 2007 I was diagnosed with cancer and was released to go back to work until June 2008. There Supervisor Mary Johnson continues to leave nasty voicemail messages stating I am going to jail and I am a liar based upon a payday loan I took out with cash advance. I attempted to make payment arrangements, but recently was evicted from my home. I shared this information with her and she continued to call me a liar via email and voicemail. I am currently on coumadin which is a bloodthinner and have to stay stress free. I don;t know what to do. Can you please help me?

One more thing. 1st party collections are not subject to FDCPA & if you don't believe me go down to one of your local payday loan places & take a loan & don't pay them & you will see how far FDCPA goes. Just because HSBC is so good to people don't think they could not be ugly if they were that kind of company which they are not. If you owe HSBC you won't find another company more willing to help so you can see where some of these comments would get to me. Try what I have said & you will get results & that is a promise.

If you get a call from HSBC just talk to them like a decent person & you might find out there are so many things they can do to help. If you have more than one account let them know so they can note the other accounts because that person may not know. I have never seen a bank more willing to help people than HSBC. Just really try talking to them decent & I bet they will do everything to help. Now we all know things can happen & there is just nothing you can do to repay a debt no matter how much you want to. But just give them the chance to talk to you and see & thats not asking to much. For people who say it's the wrong # can you imagine how many times a day they hear that when it is the correct # so just talk to them & explain & calls will quit, it's not that hard.

The only debt my husband and I have is for our house and it's always paid on time. However we get several phone calls a day from debt collectors. One is calling for the man we bought our house from four years ago. We had never met him prior to buying the house and had no communication or relationship with him outside of buying his house. We have no idea where he went after he sold us his house. The phone number we have is not the same one he had. However we get daily calls for him, and we have told them he does not live here and that we don't know where he is, most of the calls are just recordings. If we don't answer or are not home, we get voicemail with that last bit of thier computer message. The second group of phone calls is for someone we never heard of, we get recorded calls for her too most of the time, when we get a live one we tell them we have never heard of her, but we keep getting those calls. The third one is for my sister. She used our phone once to call another company, she used her tax return to pay off her student loan and was visiting us and used our phone. She told them not to put the number down as her number and told them it was Not her number. She paid off that debt completely. However she has another debt for a credit card where she tried to make a payment plan after she was laid off her job. They would not accept any of the amounts she offered and now they are calling my house daily. They will not accept that she does not live here. I have told her to do something about her debt, but she is an adult and I can't force her and I darn sure am not going to pay her bills. Now between the three of them I get at least three calls a day, often more. I am tired of it, how do i get rid of them?

My wife has been getting calls to her wireless phone from 800 684-8429 for the last couple of months (she has had the number much longer). They call about 5-8 times a day. The first time I talked to them, they asked for "Shanee King" and I told them that we did not know anyone by that name, please stop calling. The calls continued unabated.

Another time I was equipped with a recorder. On answering, I stated this call is being recorded, please state your name, employee ID, and the name of the company you work for. The response was, "Sir! I can't talk to you if your recording", and she hung up.

The calls continue.

Do I want to risk, by sending the suggested form letter, giving this company with obviously low/no moral standards more information about myself (name & address)?

I am having call rejection put on my damn phone so I can block this phone number. I tried talking to them tonight and telling them whoever they are looking for doesn't live here but they have called 4 times in 2 hours!!! I'm reporting them to the FCC too! Ridiculous.

3 to 5 calls a day??? Well that's a lot, I don't think they should be allowed to do so, this is pure harassment. I think it's normal to get an official warning and a deadline according to the credit contract but these calls are out of line. Have you ever considered debt consolidation options?

My husband and I have had a similar problem, except the person with the bad debt is my husband's niece, who used her own name (same last name as ours) and OUR phone number on her credit applications! We did not give her permission to do this, nevertheless, WE are the ones receiving the harassing phone calls. She has married, and has a new last name. I have given ALL of her information, including her married name, phone number and address to the credit collectors, yet they persist in calling our home. My guess is she ignores their calls. What is the proper course of action?

Haev your son communicate with these people and work out a payment arrangement -- and have it in writing. Then make the payments!
If the calls from some collection agencies are harrassing you illegally, try this:
Phonetray Free.
http://www.snapfiles.com/get/phonetray.html

Install on your computer with your phone cord hooked to the modem. It can screen calls and even give the caller busy signals or disconnect messages. And it's FREE.
If you like it, flip the software author a few bucks.

This is a sample letter you can send to the collection company.
Date

Your Name
Mailing Address
Your City, State, Zip

Re: Notice to Cease Contact Regarding Debt for ______________________

Name of Collection Agency
Mailing Address
City, State, Zip

I am notifying you in writing that your agency has contacted me regarding a debt for [name of person who collector is contacting you about]. No one by that name lives at my address or phone number.

Therefore, I am requesting that you cease all communication to my phone number regarding this person's debt. If you persist in believing that [name of person] is somehow connected with my address and/or phone number, please provide proof of your claim.

You should direct all future correspondence in writing as outlined in the Fair Debt Collection Practices Act (FDCPA) and to cease all communication with me by telephone.

Lastly, I would like to receive confirmation in writing that you have received this letter and will no longer be contacting me about this other person's debt, or I will be forced to seek further legal action.

I look forward to your acknowledgement that you have received this notice by [date that is two weeks from date of letter].

Sincerely,

_______________
(Signature)

Your Name
http://www.privacyrights.org/Letters/debt6.htm

I have been getting anywhere from 3 to 5 calls a day, every day concerning my son's debts. I already asked them to STOP CALLING MY PERSONAL HOME PHONE yesterday 9-16-07 at 11 am. I told them I am going to report them in if this does't stop. And that I do have caller ID on my phones.
But It DID NOT STOP.! They called again the same day at 4pm. So, what else can I do about this?