2013년 11월 29일 금요일

About 'the debt collection'|"Jersey Courts & The Debt Collection Racket"







About 'the debt collection'|"Jersey Courts & The Debt Collection Racket"








In               2005,               I               had               a               Verizon               Wireless               cell               phone               in               my               name               that               I               purchased               for               work.

I               hardly               ever               used               the               phone;               my               employer               required               that               I               have               a               cell               phone               that               was               in               my               name.

I               applied               to               the               company's               demands.

I               resigned               at               the               end               of               2006               for               scholastic               reasons.

In               2007,               I               was               looking               for               employment               and               my               dad               and               I               had               limited               money.

As               the               cell               phone               bill               could               not               be               paid,               I               was               charged               a               termination               fee               by               Verizon               Wireless.
               At               this               point,               I               had               no               idea               what               was               happening.

I               just               sheepishly               followed               the               company               demands               and               my               father               had               paid               the               bill               since               I               refused               to               pay               a               cell               phone               bill               that               I               used               for               about               15               minutes               per               month.

At               this               time,               I               did               not               know               about               paid-as-you-go               plans.
               In               November,               I               received               a               call               from               a               debt               collection               agency.

The               representative               disguised               himself               as               a               sales               representative               from               Verizon               Wireless.

For               the               entire               part               of               our               conversation,               I               believed               this               male               from               this               debt               collection               agency               was               from               the               billing               department               of               Verizon               Wireless.
               As               I               was               caught               completely               off               guard,               I               just               listened               to               what               he               had               to               say.

He               basically               threatened               that               Verizon               Wireless               would               take               me               to               court.

I               was               thinking               I               must               have               been               the               only               person               to               have               ever               missed               a               payment               for               Verizon               Wireless.

He               then               advised               me               that               I               let               him               talk               to               my               father.

My               father               knew               more               about               the               bill               at               that               time,               so               I               gave               him               permission.
               My               father               was               not               like               me,               so               the               debt               collection               agency               representative               was               probably               taken               off               guard               when               my               father               answered               the               phone               and               immediately               realized               the               debt               collection               agency               representative               and               his               bad               debt               collection               techniques.

As               I               heard               both               sides               from               a               different               receiver,               they               threatened               one               another               until               my               father               mocked               him               and               hung               up.
               I               had               no               clue               knowing               what               just               happened.

I               kind               of               felt               bad               for               the               debt               collection               agency               representative               that               had               to               use               those               bad               debt               collection               strategies               for               forty               hours               a               week,               but               if               one               is               willing               to               sell               themselves               out               for               a               few               extra               dollars,               then               so               be               it.

Have               fun!
               Eventually,               I               got               a               job               and               paid               off               the               termination               fee.

I               learned               that               you               should               watch               yourself               with               any               debt               collection               agency               and               the               bad               debt               collection               techniques               they               use.

I               also               realize               that               if               I               did               some               research               on               Verizon               Wireless               cell               phones               and               learned               about               pay-as-you-go               plans,               this               mess               could               have               been               avoided.






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