How to Harass a Bill Collector (and make them wish they never called you)
This is a post we should have made a LONG time ago. For anyone being harassed by bill collectors, let’s ponder the possibilities of how someone in debt can turn the tables on the collection agency.
If you can top these ideas on how to harass a bill collector PLEASE leave your best tactics in the comments below.
1. Phone the Ombudsman, Manager, President of the Bank
This is a great tactic because if you complain to someone else about how rude, annoying, unreasonable or obnoxious the person calling you is being AND tell them that they should do something to stop the bill collector from harassing you, it really puts them in a tight spot.
Especially if you make demands like wanting everything in writing or following up with that persons boss regarding your complaint.
Also, when contacting the manager, let them know you are contacting the ombudsman, and when contacting the ombudsman let them know you are contacting the ministry (thats the next step). This way, everyone knows there is a good record of the complaints you are making and some type of action will have to be taken.
2. File a complaint with the ministry
This is a VERY good way to piss off a collection agency, not just the bill collectors but also the managers. This is because they have to fill out paperwork and respond to the government for any valid complaints (there are many) made to the government regarding harassment, privacy violations, threatening behavior and collection law violations.
Scroll down to your province name to locate your provincial government agency to contact here.
3. Have fun with the collectors calls!!
Not enough people do this!! The only problem is that it usually causes them to call more frequently, but it will make them realize that they are wasting their time with you eventually.
Answering every questions with a question can be fun. Or answering the phone and leaving it off the hook for 5 minutes, repeating as necessary. Telling them random stories about what you are eating or asking them personal questions about their lives usually can work quite well. This is for the creative types who have a bit of time available.
4. Log Everything and Always Ask Questions
Write down the collectors name, get their full company details, ask them for their collector license number. Then make sure you ask who their supervisor is and ask to speak to them about the debt. Then when you get the supervisor on the phone ask who the collection manager is and try to talk to them about the debt.
This is not only annoying but lets you avoid dealing with the lowly bill collector. Although the managers used to be bill collectors and are usually quite uneducated as well so it really isn’t much different.
5. Fax the office repeatedly
Write your name and phone number in the middle of a piece of paper with the words ‘please stop calling me’ below it. Then take a black piece of paper and use it to ‘frame’ your note you are sending to the agency.
This way when you send your request it will also drain their fax machine ink. Double annoying for the secretary.
6. Show up at their office
If they are local, you can always stop by their office to talk in person. You would be surprised how much the bill collectors fear meeting the people they talk to on the phone. At the very least they will usually become more reasonable after knowing you aren’t scared to come and meet them in person.
If you do have the guts to show up though, just snap a picture with your phone and say ‘I got what I came for’ and walk away, it will seriously mess them up in the head for few days if you do it correctly.
7. Call them back repeatedly for no reason
Two ways you can approach this:
You can call them repeatedly in an angry fashion telling them to stop harassing you, dial different extensions, talk to the secretary, managers and anyone else that will listen over and over and over telling them that their bill collector is a loser and needs to F off.
Just randomly call them during your day and talk about ANYTHING other than your bill. You probably also want to tell the collector they are your only friend in the world.
Start in the morning, let the collector know what you had for breakfast, maybe call before lunch and let them know any good joke you may have heard during the day. If they start talking about your bills just say ‘I thought we were friends, and this is all you ever want to talk about.. ‘ then hang up. Then call them again in a couple hours like nothing happened and start with a new topic for them.
Also, make sure to leave them messages at night as well whenever anything ‘important’ happens in your life.
8. Record the phone calls and upload them on the internet
Use the collection agencies name and maybe even the bill collectors name in the title when you upload them to Youtube (or other social media sites that will work). This way when people search that agency or bill collectors name you can be assured it will eventually show up in google for others to know what scum bags they are!
Double points if you send the bill collector (or their co-workers) the links to the recorded calls you posted online.
9. Start a website or help an existing one that deals with Debt Assistance
There are very few places that REALLY get into the dirt and grime that the collection agencies throw at people in debt. Probably because most want to just turn a profit, but for the few good ones out there even just posting comments in a debt forum or telling others to check out a website that can help out can really mean a lot!
Basically send us a check.
POST YOUR IDEAS IN THE COMMENTS BELOW!