Can I talk to the collection agencies to pay off my debts? Please help!?
I reeally cannot tell you if you should be afraid of calling collection agencies. My direct experience is that a collection agency has all the charm and character of traditional boiler room operations with large open rooms filled with divider created cubicles manned by chroncally underpaid, limitedly education, verbally expressive employees most of whom were in running for “Most Obnoxious” in high school. They are largely business failures barely surviving and use the position while in a holding pattern in this period of their lives. They are capable of reading prepared scripts and have little authority or autonomy in carrying out their duties. Managers are those who have done this work for a number of years and have avoided burnout by luck or nature. Businesses are owned by individuals who are competent in collections law and often are law school graduates or nearly equivalent. They are used to dealing with a majority individuals who are, to one degree or another, stupid, dishonest, u
