After dealing with Camco for about a year. You know the usual, them harrassing me and working every nerve in my head. I usually end up hanging up on them. Requesting information, or sending letters requesting not to be contacted, really sends them into hysterical laughters when they ask, "Where did you send the letters to? A P.O Box, they find this quite funny. Telling them you will be tape recording any communications with them usually result in a much less abusive type of conversation.
For example, they stop using the term dead-beat, and telling you what a sorry exuse you are. However, the crust of this complaint is to tell everyone to check your credit report, you maybe suprised to find them doing an individual inquiry on you, as if you are applying for credit with them. They are well aware that many companies know who they are, and they are hoping it generates a red flag on your report. Which is why I am on the pursuit to make them pay.
I have filed a complaint with the A.G, the Federal Trade Commission, and anybody else that I can think of.
The funny thing is, they are so quick to tell me if I can't pay my bills, I should stop borrowing money from the Student Loan Service, wouldn't they think if I borrowed money from them, I must have some education? I am simply stating that as consumers we are obligated to pay for what we buy; however, sometimes either we haven't brought it and get blamed for it, or we did and fell on economic hardship.
Just remember everyone, they only keep their jobs by trying to create a fear in others, sort of like the way the old Gangs or loan sharks use to. One day, they are going to have to answer the phone to find one of their fellow employees on the other end doing the same thing to them. They only get paid according to whom they scared bad enough that day. Also, do not send them a single dime, that will start the clock on a debt again.
FOR CAMCO ONLY: I PAY THE DEBTS I LEGALLY OWE, AND SINCE YOU HAVE DONE A CREDIT INQUIRY ON MY CREDIT REPORT I AM SURE YOU ALREADY KNOW. MY MISSION NOW IS TO MAKE SURE I SPREAD THE WORD ABOUT YOU TO ANYONE I CAN. YOUR EMPLOYEES ARE RUDE, LIARS AND OBVIOUSLY A BIT NAIVE TO WHAT THE AVERAGE CONSUMER KNOWS OR CAN FIND OUT JUST BY A CLICK OF A BUTTON.