Violation of Fair Debt Collection Act from Chase Supervisor

Completely unacceptable...but typical for debt collectors.

Once they start down that route, I just stop them and let them know I
have a copy of their script. "Insult customer" "Make customer feel
bad" "Threaten customer" "Attempt to anger customer" "Attempt to
belittle customer" "Attempt to embarrass customer". When I am done
going through the script I ask if they have anything else they would
like to add before we get down to business. I actually got one guy to
laugh after awhile and he admitted that yes, they are trained to say
these things. If it makes you feel any better, it's not personal. The
collector couldn't care less what kind of person you are.

Have you discussed tacking one payment onto the end of the loan, thus
bringing you *current*?

If Chase is anything like PNC..the *collectors* receive a commission.
Maybe this is why she was over-zealoous?

She does deserve to be reported...they can pull up the tape from that
day...she may have violated Chase's internal collection procedure.

I used to be a debt collection agent once upon a time. I hated the job
intensely and ultimately quit. The boss said I was too friendly on the
phone because no one wanted a 'perky' (her words) voice telling them
they owe money.

Quick thought just to cover your butt so you don't end up without a
ride - move your car somewhere nearby where they wouldn't know to look
for it....or where they don't have the right to trespass on the
property to re-possess it.

Throw a drop cloth over it once it's moved.

Got a neighbor or a friend within walking distance?

Unfortunately this is what happens when you borrow money.

I never buy new cars, most new cars, except for maybe exotics,
depreciate in value

I buy gently used cars, even though I have the ability to pay cash for
a very expensive car.

Too many people feel they are owed a new car, or deserve a new car.

Then when crisis hits, which it almost always does, that car that you
deserved is now a thorn in your side.

Not everyone believes the same way I do.

Some members of my family buy the NEW flash vehicle, only to sell it
to me, years down the road.

I recently picked up a 02 Frontier king cab with 54k on it for 4800
dollars.

I could buy a brand new one, but this truck has acquired most of its
deprecitation as it is.

Too much hassle dealing with debt. I keep life simple


Good Day

Understand that the Fair Debt Collection Act does not apply here, it
only applies to debt collection agencies, not to the original lender.
Collections is the ultimate thankless job, they have to deal with a
whole lot of bottom feeders, and I think they get real cynical really
quickly. How many times a day do you think they hear 'the check is
already in the mail', when no payment was made, or intended.

It does not in any way excuse her behavior, but maybe explains it a
little. If you are only one payment late, chances are small that they
will start a costly repossession, so just get caught up as quickly as
you can. You'll be fine.

They dont care what the reasons are they are collection agencies. All
they know is your late and thats not acceptable.

This is the passage that most nearly seems to fit your situation:
"The use of obscene or profane language or language the natural
consequence of which is to abuse the hearer or reader."

It may be left to interpretation as to whether this fits. The things
the CSR said are natural interpretations of the situation, in the
*absence* of the medical issue and the fact that a payment arrangement
had been made.

How the medical situation fits in I am not sure. While creditors can
set up payment arrangements, do they have to?

I guess I can see both sides of this issue. The bank expects to be
paid. The real fault here lies in the payment arrangement not being
recognized by Melanie. I don't think she should be fired, and I
really don't think she violated 806b.