A Year of Being Kind blog – Friday, August 29, 2014
Being of Service? Showing People How to Fight Back! (Feature Friday!)
I have heard horror stories of how less-than-honest companies bundle and buy out debts at only a fraction of their value. Then, they hold the debt or note for the money owed. So instead of cash-strapped people owing a credit card company money, or a bona fide medical center money, they now owe these sleazy debt consolidation companies the money. But wait, there’s more! Much more . . .
I’ve been involved with seniors for a number of years, especially recently. I mean, at their homes. These seniors, often frail and in poor health, receive all kinds of telephone solicitation calls. Many of these calls come from shady, fly-by-night companies. But the worst of them all? The worst come from these sleazy, slimy debt consolidation companies. The debt collectors call. Then, call again—and again. And if they get a trembling, anxious senior on the other end of the line, so much the better! These pond scum debt collectors bully the elderly, trying to force them to send money. And sometimes, the senior is bullied into paying off a debt they do not even owe.
Most people don’t realize how to stop this horrible harassment and misuse of the telephone, not to mention get revenge. But a debt collection company tangled with my husband Kevin one time too many. My husband—who did not even owe the debt mentioned—took action. Action against the company, and action to stop this daily harassment for a debt which was never his to begin with.
My husband is extremely methodical, and he takes excellent notes in his work life. So, he decided to do the same thing in this case. Every time the home telephone was called by this company, we noted the date, time, and whether it was a recorded call or a real, live person. Every single time there was contact with a real, live person, we recorded their name. My husband sent two “cease and desist letters” by registered mail (so a real, live person at the company was required to sign for the letter, and show proof they received it). He took extensive notes whenever he spoke with anyone, and kept all of the notes in a file. And—he employed a law firm that specialized in fighting with these slimy debt collection firms.
The lawyers at the law firm were pros! They knew exactly what they were doing. My husband worked with them, hand in glove, and actually won the case in small claims court!
So, that was several years ago. My husband Kevin and I had almost forgotten all about the case, when a journalist contacted my husband a number of days ago. Mr. Sullivan wanted to know whether he might be able to write an article about the debt collectors and how my husband beat them at their own game. My husband gladly agreed! Moreover, he sent Mr. Sullivan all of his notes. (The journalist complimented my husband on his extremely thorough note-taking, too!)
So—long story short, the story appeared in Yahoo Finance on Wednesday. And—my husband is a hero! He showed, through his excellent example, exactly how to defuse these pond scum debt collectors. And, he wants people to know their rights under the law, too. In a quote from Mr. Sullivan’s article: “I would gladly do it again, not for the money, but because these people are slime who abuse and exploit people who don’t know how to defend themselves,” he said. “While I was defending myself, I followed various forums on the subject, and I was appalled at how many elderly people are victimized. It’s sickening.”
Not only the elderly, but people of all ages might be victimized. Thank God there are people who know how to stop these abusive practices and horrid debt collectors. People like my husband Kevin. That’s a sure way to live by the tenets of Micah 6:8! Live justly, love mercy and walk humbly with God.
(To take a look at the Yahoo Finance article by Mr. Sullivan, check out this link: http://finance.yahoo.com/news/one-man-got-even-debt-103042195.html )
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