Former debt collector offers advice for consumers when dealing with collectors

Superior Debt Relief negotiator encourages consumers to know their rights
(PR NewsChannel) / March 19, 2012 / FORT COLLINS, Colo.  

Superior Debt Relief logoBefore Kori was a Superior Debt Relief Services negotiator, she worked as a collector for 16 years. Her experience on the other side of the debt industry has given her a unique insight into the debt collections process. In a recent interview, she offered some helpful advice to consumers.

Q: What kind of tactics were you taught to get people to pay?
Kori: Never take ‘no’ for an answer. As debt collectors, we are trained to get the consumer to pay by any verbal means necessary.

Q: What kinds of hardships were you told as a collector to take seriously?
Kori: I never took any hardship seriously. As a debt collector, a hardship was used as a collection tool. I would make all sorts of unreasonable suggestions and demands.

Q: Would collectors ever purposefully violate the Fair Debt Collection Practices Act (FDCPA)?
Kori: Yes, all the time. As a collector, you have to be demanding and aggressive. Most collectors are getting paid on commission so your salary depends directly on persistence.  When you know your own paycheck depends on it, there’s not a lot you won’t do.

Q: Should consumers ever try and explain their situation over the phone to a collector?
Kori: I wouldn’t give them a second of your time. They are taught to use your words against you and they will. No matter your circumstances, it can get really nasty.

Q: Do you have any advice for consumers dealing with collectors?
Kori: First of all, don’t talk to them. If you can, avoid speaking with a collector all together. They’re trained to be emotionless and all about the money. To avoid debt collection abuse, know the rights guaranteed by the Federal Trade Commission and FDCPA. Contact your state’s attorney general if you believe there has been a violation.

About Superior Debt Relief Services: Established in 1998, Superior Debt Services is a debt relief company committed to ethically helping consumers lower their credit card debt while encouraging them to develop healthy financial habits. Superior is a reputable company devoted to fighting for the consumer and the regulation of the debt settlement industry by lobbying Congress and working with the FTC for consumer advocacy legislation. 


Maggie Shafer
(888) 366-3414

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SOURCE:  Superior Debt Relief Services

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