Dave Ramsey – Credit Card/Debt Collectors are SCUM
My hero, Dave Ramsey, tells of abusive practices and the violation of Federal law incorporated by debt collectors – particularly credit card debt collectors. Most people do not know that they have rights guaranteed to them by the Fair Debt Collection Practices Act (FDCPA) and debt collectors knowingly and habitually break these laws in order to frighten them into paying. IT IS NOT AGAINST THE LAW TO OWE MONEY! Do not allow yourself to be lied to (example: “You’re going to go to jail if you don’t pay this” is one of their favorites!) or treated without the dignity you deserve. KNOW YOUR RIGHTS UNDER THE FDCPA: Collectors can NOT call you before 8 am or after 9 pm Collectors can NOT threaten to have you arrested or charged with a crime if you dont pay Collectors can NOT continue to call after you have indicated you want them to stop (record your conversation with them, tell them you ARE recording it, write the date and time down in a journal, and follow up with a certified letter stating they may no longer call.) Collectors can NOT call friends, family members or colleagues repeatedly in order to get you to pay (they may call your acquaintances ONCE in order to track you down and may NOT mention that you owe money or give ANY information that would lead someone to believe that they are attempting to collect a debt.) For more information on your rights under the FDCPA, please visit my website at www.myarrp.com (click on the “Help With Credit” link at the top.) To the scum …
Video Rating: 0 / 5
kinyodas posted: 01 Feb at 11:58 am
VOLUME!!!!
LIARSandCHEATSinfo posted: 01 Feb at 12:12 pm
Everything Ramsey said in this video is TRUE, yet he LIES just like a collector about FICO scores and he ACTS like a collector, discouraging bankruptcy filings.
Ramsey appears to be on the BANKERS’ payroll.
Christine Baker
WonderWomanFan4life posted: 01 Feb at 12:47 pm
You rock Dave Ramsey!!!!!
JohnnyWeedSeed420 posted: 01 Feb at 1:36 pm
Yeah i’ve seen it happen before, a guy at my work got two-three calls a day at his job from a debt collector. It got to the point i just hung up everytime they called. I’ve also known quite a few people who get called constantly and end up getting their number changed or removing their phones and only using cellular because the way they call all day. This guy isn’t lying.
MACKATTACK1970 posted: 01 Feb at 2:20 pm
Do not pay your credit cards, save your payments and get yourself a credit card based on your own funds.
……
Tell the Credit Card companies and the Banksters to go to hell.
LCStreetPhotographer posted: 01 Feb at 2:36 pm
@porta17 As it happens , as an update, A Formal Form 4, complaint was put in with the courts…the second person a woman who cam out has lost her Certification and will no longer be able to work in the industry..and the Company itself..now has a CCJ against it meaning they cannot renew their licence in the new year meaning they are FUCKED. and ya know what..im glad….their al out of work i that company now..good. Bastards.
LCStreetPhotographer posted: 01 Feb at 3:30 pm
@porta17 We did pay it..my wife personally gave them over 6 times the amount….they claimed it all in fee’s (which is illegal for a start as they can only charge £24 for first visit, £18 for 2nd and not much thereafter)…he took £££s and his reciepts and what we eventually got from her local council shows that roughly £20 came off the bill..this prick had been siphonin it off….as, so im led to believe according to CAG dot com, most do. Sorry but they are scum as far as im concerned
jab0805 posted: 01 Feb at 3:56 pm
Anyone that sides with the cooperate elite on this matter is the lowest form of life on this planet. This cannot be allowed to go on. A country that caters to the cooperate elite at the expense of it’s citizens is a country that will not last. These bankers and lawyers and outsourced debt collectors are nothing more than members of a class system that feeds off of the hard work, sweat, blood, and tears of the citizens of the USA. Whom they have manipulated into servitude of their lazy ass.
porta17 posted: 01 Feb at 4:37 pm
@LCStreetPhotographer There is one small point that could be argued here. If you are so aware as to your popularity in this country then you would be aware as to what happens to marines or otherwise who dont think before they act. They sometimes wind up a statistic in Iraq or some other backside of beyond toilet. Thats not a threat you understand, its just what kind of marine doesnt pay his elderly mothers bills for her then gets the lads out when the inevitable happens
porta17 posted: 01 Feb at 5:07 pm
@LCStreetPhotographer ,I guess you being a royal marine makes that alright then?Dont suppose you could have paid the bill for her, eh? If she forgets to pay her bills once in a while I would have thought a council tax direct debit might have been a little more constructive than terrifying the hell out of some poor bastard on £7ph who probably went home shat himself in his trousers and suffered post traumatic stress as a result.
LCStreetPhotographer posted: 01 Feb at 5:53 pm
@alden2008 will be sent to take on an enemy of section size…if the enemy is expected to be around platoon strength you take a company..etc etc etc….only special forces units (if they are UK spec ops that is) travel in teams of 3-4…and even then special forces units ..contrary to the movies..dont get involved in protracted, long drawn out firefights…they are there to do things covertly..so i suppose in a manner of ways having 8 lads deal with these cowards is the done thing
LCStreetPhotographer posted: 01 Feb at 6:26 pm
@alden2008 Well we figured since a big guy like that and his little bald henchman were picking on a woman in her 70′s was what a real hard man does…that we’d better double up on numbers since they were so big and hard. And your right i am a man of honour i’d never dream of threatening an elderly person who is in the early stages of alzheimers…Plus if you knew anything about ANY military unit out there from a developed nation, say..the USMC for example..they double up…a platoon will be sent
alden2008 posted: 01 Feb at 6:29 pm
@LCStreetPhotographer Your grandmother did not deserve to be mistreated but you threatening the life of someone is not right. I like how you hide behind your computer screen. People that serve in the military are people of honour. Must take a real man to have 8 friends jump one guy.
alden2008 posted: 01 Feb at 6:57 pm
@clayfield1 You are right. People should pay their debts. Individual responsibility is crucial. All I am saying about the legal system is that there are crimes against property and crimes against the individual and are handled by different courts. You don’t need to buy the severity of crimes claim – the law does it for you and classifies it against other crimes. That’s why when you murder someone you go to jail for life and when you jaywalk you get a $50 fine.
LCStreetPhotographer posted: 01 Feb at 7:49 pm
@goddessvixen7 when this new bailiff turned up i asked him how his colleagues throat was?? was it still sore?? and then promptly told him of my grandmothers mental illnesses and how she forgets to pay her council tax bill on occasions…and that .he could record what i was about to say..if he wanted…but..and my words were “you know how much public support there is for the men and women who serve in the military defending this country .i have the upper hand therefore…dare you..to come again
LCStreetPhotographer posted: 01 Feb at 7:57 pm
@goddessvixen7 unfortunately here in Britain..your UK bailiff bretheren are in for a different set of rules……im a British Royal Marine Commando and when bailiffs tried to use these tactics on my elderly grandmother i turned up with 8 other marines threw him into the back of a van and drove him to the middle of a wood before putting a 12 inch blade underneath his throat and telling him how things were going to happen from “here on in”….we never heard from him again..another bailiff was sent
clayfield1 posted: 01 Feb at 8:47 pm
@alden2008 I don’t buy all this “your crime is worse than my crime”. The funny thing about this whole arguement is that if the person that borrowed the money paid there debt then “illigal crime” would never take place. So it seems like the victim in the criminal crime is the instigator of the crime against them.
alden2008 posted: 01 Feb at 9:25 pm
@clayfield1 Simply put, harassment, fraud, etc that the debt collectors do are “crimes” against the person and thats why it is illegal. These crimes are handled by the criminal courts. Not paying your debt is a “crime” against property. These are handled in civil courts. I don’t believe it was ever said that people that owe money shouldn’t pay their debts because they should.
Vydio posted: 01 Feb at 10:08 pm
I have been on the receiving end of numerous calls from collectors looking for deadbeat relatives. They commonly say they were given my number as a reference. Don’t know if this is true or not, as you can go on websites like Zabasearch and find out who might be related to the person who owes money.
vacationboyvideos posted: 01 Feb at 10:37 pm
i make 866 a month on ssd, i am buliding my credit and pay off my cards every month.If after many yrs i enough credit(5-10 grande on credit cards avilbale credit) and go on a shoppingspree/world vacation and max out all the cards…could i then someway get out of paying ALL that money back(let it go to a collection agencey and then file for backrupty?) i want to not have to pay back any of the money but maybe 10percent of all my spending when its all done!
GOPSUX100 posted: 01 Feb at 11:18 pm
@ScaperSteph You are not alone! I volunteer to provide financial/tax/accounting advice to low income and the elderly. If I see 60 people, only 3 people on average are NOT receiving calls for someone they don’t know. Freakin unbelievable. These people are out of control.
GOPSUX100 posted: 01 Feb at 11:41 pm
Something has to be done to stop the abuse. I volunteer to provided financial help to the elderly and low income people deal with financial issues. I cannot believe the number of people I have helped deal with debt collectors, in all but a few cases they absolutely did not owe ANY MONEY to these loser dirt bags.
I have seen debt collectors chasing the wrong person, relatives of the debtor, and already settled debts. People need to take these companies to court, there are far too many abuses.
vacationboyvideos posted: 02 Feb at 12:26 am
i can not stand this man! he lived his life on the high horse! drove high end sports cars….went in dept becase as typcial SPOLIED ROTTEN americans he INJOYED HIS LUXURY LIFE! and now he wants to preach about ” how to be responcable with money!” give me a fucking break!
goddessvixen7 posted: 02 Feb at 1:13 am
@rayme4raw,
I actually worked with medical debt primarily, before Ieaving the company I was working with credit card debt. I did speak with a wide variety of people from the very rude to nice but I treat everyone the same with respect, kindness, ethically and most importantly legally. I was only working there because the pay helped me to avoid having any student loans during the time I was finishing my bachelors of psychology and Master degree clinical counseling.
ruthc48 posted: 02 Feb at 1:51 am
What he said is true, if you give them access to your account they will clean you out. Don’t give the lying scum your account info no matter what they say.