Another rough call on the phone today and fortunately I can use this blog as a way to blow off some steam and calm down. Here’s what happened. Of the several hundreds of collection cases that I’m handling on a regular basis, I will occasionally speak with someone who is having a real bad day. One of the debtors that I spoke to just about an hour ago, responded to my request for payment by launching into a tirade about how I am an uncivilized, uncaring, and low-life slime bag and that if I call again, he will sue the mother f—— pants off of me.
Let me say something important here. Since I am a very sensitive person and cry my head off at the slightest gushy movie scene, I was completely thrown off my horse by his outburst. I have to also tell you that I am so ooey gooey nice when I talk to people on the phone that when someone uses me as their punching bag, I do become emotionally unbalanced for a while.
Now, upon hearing his blow-up, which made me freeze in my tracks, I just stopped talking. After he finished, I didn’t respond, and there was about 20 seconds of silence between us on the phone. All of sudden he said to me, “You still there?”. I said “yes” and asked him what that was all about. He apologized for going off the deep end on me and then explained why he’s at his rope’s end. Between a foreclosure, a divorce, a lost job, huge uninsured medical bills, and a host of other problems, he’s clearly drowning. I asked him about how much he owes all together and it dwarfs the amount that I was calling him on. He said that he would send me all the documentation for my review to show that he was not giving me a sob story.
Long story short, I recommended that after I receive his documentation, he should call to two professionals with whom I work closely, a credit counselor and a bankruptcy attorney to figure out his next step. It’s not the way I would like this claim to work out but sometimes you just go with your gut. Back to the grind…….
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