I recently had to start dealing with debt collectors because of an error with a company that we paid money to.
Let me tell you, it was a horrible experience.
The bill was for something I had paid a year previous to receiving the letter from the bill collector. Even though it was an error, I was able to learn a lot about the debt collecting process, especially because it was my first time dealing with a very aggressive debt collector.
Like I said, the bill was an error, but that didn't mean the harassment stopped.
The bill collector didn't want to believe me, and instead, they bullied me like crazy. They wouldn't give me the phone number or any contact information for the company who had turned the bill into the debt collection agency, so I didn't really know a ton of information about what it was for or anything like that.
After spending hours tracking down where the bill was from (that was a disaster in itself), it turned out the company that issued the bill simply forgot to mark it as paid.
But, that didn't stop the bill collector. [Read more…]