Privacy Invasion and Tactics
KANSAS -- The supposed manager of this collection agency pulls your credit report and asks you how you can afford to buy items when you owe them a debt? He sersiouly asked me about my recent vehicle loan. I asked what gave him the right to scrutinize me and my report? I was told that every sixty days they can access your report and attempt to collect by whatever means within there guidelines. After being enraged by this individuals tactics I said a curse word, and was told that he was trying to help me. He said if I continued to use curse words toward him he could turn this account over to an attorney. Mind you, the account is 4 yrs. old, a civil matter, and was disputed from the start when the original creditor held the account. I am not new to the collection system, so this tactic only upset me further. If they were or could find an attorney to sell the debt to they wouold have by now. I was willing to settle the account and pay off the account in monthly payments, but of course they can not(will not) do this. This manager(?) kept coming back to my credit report and the items that were paid off and the items that were gotten. I asked what business this is of his. He said it is his business because I owe a debt to the company he works for. I can not believe that ANY company could and would scrutize someones credit report in an attempt to bullying them into paying a debt. I guess the Bill Of Rights does not apply to me. Collection Agencies need to be strictly monitored by the government. There are regulations in play for them to follow, but are never enforced. They can not call more than 1 time a day if they reach you, but call 3-4 times a day. They can not call on Sundays, but do. They can not call after 9:00p.m, but they do. They can not bully you into making any payment, but they try all the time. And since when can they tell you what you deserve to have and not have? It is wrong for any one or company to violate the law, so why aren't collection agencies made to uphold the same laws?