FRIDAY AT THE OFFICE:
I tried to stick to the plan, but it didn't work. I tried to be the Good Cop. I tried.
Unfortunately, I hit a bunch of dead-ends early Friday morning. I remained calm and professional until I pulled a debtor’s credit report in regard to a Stale that I was about to start collection activity on. What I saw in this loser’s credit report made me lose my fucking mind.
This guy must have had $15,000 in small debts, all of which were about to hit the 7-year Statute of Limitations mark. Anonymous had recently purchased several of his other debts that had just cleared the 7-year mark. All told, he racked up about $20,000 in debt in 1999-early 2000, and he never paid a penny on it. And from all appearances, this schmuck never intended to pay a penny on it. None of the original account holders have ever pursued a judgment against him because the accounts were too small to be worth the hassle and fees. This guy was a professional debtor. He knew exactly what he was doing. He knew that conceivably he would never have to pay a penny back. Conceivably, when all his 7-year old debt gets sold to junk debt buyers like Anonymous, someone could still obtain a default judgment against him. But this guy appears to be too smart to take an unmeritorious default judgment. He’d simply have to file an answer with the Court pleading Statute of Limitations and show up for the Court date, if there even is a Court date.
I was going to send this goon a collection letter, but instead I just called him up just to give him a piece of my mind. I was wondering why we even purchased this debt; clearly this loser is smart enough that he is not going to pay a stale debt nor take a default judgment.
Fuck it. I don’t know why I’m even referring to this debtor anonymously. This guy is such a scumbag, I’m just going to post his real name, phone number, and address. Hey Louis Clack of Fremont, Tennessee (Address: 12021 Clarendon Street, Fremont, Tennessee 37010; Phone Number 299-621-0388). This guy even had the nerve to tell me that he owned a home and had run up a bunch of credit to fix up his house that he had just bought in 1999. Seeing as how Mr. Clack was going to live in the new house for a long time, he didn’t think that obtaining credit would be an issue anytime soon. And Mr. Clack said that at the time he ran up all the debt, he knew was taking a calculated risk that one or more of the debts would become a Court judgment, thus leading to a lien on his house. But, Clack was sure not to rack up any single debt large enough that it would be likely to lead to a civil action against him. He figured that none of the debts would be worth the time and money of suing him. The scumbag was right. And if the debts weren't worth a lawsuit before the Statute of Limitations expired, they sure as hell aren't worth a lawsuit now.
People like Louis Clack are the reason that I am never going to be able to straighten out my collection activities. People like Louis Clack are the reason that my dad busted knees and made house calls to his debtors. Back in the old days, Louis Clack wouldn’t have made it 7 years without paying $15-20,000 in debt. Louis Clack would have been swimming with the fishes. And back then, even if Louis Clack somehow did make it 7 years, it wouldn’t have mattered because there was no statute for swine like him.
I tried to stick to the plan, but it didn't work. I tried to be the Good Cop. I tried.
Unfortunately, I hit a bunch of dead-ends early Friday morning. I remained calm and professional until I pulled a debtor’s credit report in regard to a Stale that I was about to start collection activity on. What I saw in this loser’s credit report made me lose my fucking mind.
This guy must have had $15,000 in small debts, all of which were about to hit the 7-year Statute of Limitations mark. Anonymous had recently purchased several of his other debts that had just cleared the 7-year mark. All told, he racked up about $20,000 in debt in 1999-early 2000, and he never paid a penny on it. And from all appearances, this schmuck never intended to pay a penny on it. None of the original account holders have ever pursued a judgment against him because the accounts were too small to be worth the hassle and fees. This guy was a professional debtor. He knew exactly what he was doing. He knew that conceivably he would never have to pay a penny back. Conceivably, when all his 7-year old debt gets sold to junk debt buyers like Anonymous, someone could still obtain a default judgment against him. But this guy appears to be too smart to take an unmeritorious default judgment. He’d simply have to file an answer with the Court pleading Statute of Limitations and show up for the Court date, if there even is a Court date.
I was going to send this goon a collection letter, but instead I just called him up just to give him a piece of my mind. I was wondering why we even purchased this debt; clearly this loser is smart enough that he is not going to pay a stale debt nor take a default judgment.
Fuck it. I don’t know why I’m even referring to this debtor anonymously. This guy is such a scumbag, I’m just going to post his real name, phone number, and address. Hey Louis Clack of Fremont, Tennessee (Address: 12021 Clarendon Street, Fremont, Tennessee 37010; Phone Number 299-621-0388). This guy even had the nerve to tell me that he owned a home and had run up a bunch of credit to fix up his house that he had just bought in 1999. Seeing as how Mr. Clack was going to live in the new house for a long time, he didn’t think that obtaining credit would be an issue anytime soon. And Mr. Clack said that at the time he ran up all the debt, he knew was taking a calculated risk that one or more of the debts would become a Court judgment, thus leading to a lien on his house. But, Clack was sure not to rack up any single debt large enough that it would be likely to lead to a civil action against him. He figured that none of the debts would be worth the time and money of suing him. The scumbag was right. And if the debts weren't worth a lawsuit before the Statute of Limitations expired, they sure as hell aren't worth a lawsuit now.
People like Louis Clack are the reason that I am never going to be able to straighten out my collection activities. People like Louis Clack are the reason that my dad busted knees and made house calls to his debtors. Back in the old days, Louis Clack wouldn’t have made it 7 years without paying $15-20,000 in debt. Louis Clack would have been swimming with the fishes. And back then, even if Louis Clack somehow did make it 7 years, it wouldn’t have mattered because there was no statute for swine like him.
3 comments:
I hope Mr. Clack takes your ass to court. I really hope you placed a hard inquiry on his report so he knows where to serve you. And now I'm off to inform him of your violations! Cheers!
yeah, wow....this is really the ultimate in 3rd party disclosure...you've give him so many causes of action against you...you know, you're really not the big bad debt collector you think you are - you're a big softie, giving him all those indisputable reasons and demonstrable damages...
you should really shut your mouth while you're behind, kiddo...
ha ha this is funny. he acts to big and bad, but the info he posted isn't even valid. the area code is invalid as is the address.
this just seems like someone who is out to look like he is a fearless bounty hunter, while all along just a little shit behind a telephone.
i would love to you know on my door.
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