"All Debtors are Compulsive Liars": The Training of a Debt Collector


Recently in Readers Digest online they posted an article on 13 Things a Debt Collector Won't Tell You. The article discusses various techniques and approaches that debt collectors use to try and get money from you. Number one on the list was that debt collectors are taught that all debtors are compulsive liars. A few of the others were:

• Debt collectors are supposed to keep pushing you to find money no matter what you say.

• Debt collectors could care less about your "hard-luck story." If you aren't paying you are wasting their time.

• The more money the debt collector gets out of you the bigger their bonus will be.

• Often when a debt collector gets a manager involved it is merely a fellow employee.

• Debt collectors are trained to get as much personal information (i.e. phone numbers, addresses, etc.) as possible to help in the collection efforts.

• When they leave a voicemail, instructing you to call a specific person back, it is a made up name that the entire company uses.

The thing I took away from this article is that the debt collector is not your friend. They have one job and that is to get you to pay money. They could care less about why you are in the position you are in, they only want you to open your wallet and will do or say almost anything to make that happen. Once an account is with a collection agency it is rarely productive to even speak with the debt collector. It is especially counterproductive to give them any additional personal information than they already have.

Dealing with Debt Collectors through Bankruptcy

The never ending collection calls is a big motivator for many to file bankruptcy and make them stop. When I am hired to file a bankruptcy I have my clients refer their debt collectors to my office to help slow down the phone calls. Then, once your bankruptcy case is filed the bankruptcy court will issue an order that stops all collection efforts again you. This means that they cannot call you on the phone, send you letters, garnish your wages, or even sue you. Everything must stop.

Most debts that are referred to collection agencies are unsecured debts - typically credit cards, medical bills, balances on cars that have been repossessed. These types of debts can almost always be eliminated through a Chapter 7 bankruptcy filing.

If you are dealing with constant collection calls and want to make them stop for good, give me a call. My bankruptcy consultations are always free. We can discuss your situation in detail and put together a game plan to eliminate your debt. I can be reached at (480) 420-4028 or via email at john@skibalaw.com.

LOADING PDF: If there are any problems, click here to download the file.

Written by:

Published In:

DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.

© John Skiba, Skiba Law Group, PLC | Attorney Advertising

Don't miss a thing! Build a custom news brief:

Read fresh new writing on compliance, cybersecurity, Dodd-Frank, whistleblowers, social media, hiring & firing, patent reform, the NLRB, Obamacare, the SEC…

…or whatever matters the most to you. Follow authors, firms, and topics on JD Supra.

Create your news brief now - it's free and easy »

All the intelligence you need, in one easy email:

Great! Your first step to building an email digest of JD Supra authors and topics. Log in with LinkedIn so we can start sending your digest...

Sign up for your custom alerts now, using LinkedIn ›

* With LinkedIn, you don't need to create a separate login to manage your free JD Supra account, and we can make suggestions based on your needs and interests. We will not post anything on LinkedIn in your name.