i am a former employee of this company, I've been in collections for 13 years, i can assist you in how to handle calls regarding Dell from this company.
first thing and most important , they are not an attorney office , despite the clever name and what the may say , second they are not litigators or pre-litigators or any form of legal collectors they are simply bottom of the barrel bill collectors
dell still owns the right to your debt and let me be clear they do not CONDONE the type of behavior you will encounter , you have rights and dell will protect them , so if you have an issue hang up on these collectors and call dell directly , be careful to closely describe what took place.
it is a documented fact that in the last 2 weeks this company has been threatened by dell themselves to clean up their act or the portfolio would be pulled from them , this would be a plus for any dell consumer so do your part to help.
now read this carefully i will describe what you are dealing with . picture an office full of ex convicts and serious drug addicts , or high school drop outs . this comprises about 95% of this company including the management staff
now for starters they will claims dell has set the meter for payments at either your balance in full or in two payments. this is a blatant lie you can pay however you want dell just wants you to pay monthly , also you do not need to make a down payment to make smaller payments . in fact there is even a settlement option starting at 85% of the debt and easily going lower.
now do you really want to give your checking info or credit card info or even worse your families info to this company and its employees??? you do not so call dell and advise them you cannot deal with a company like vki but you want to pay they will more likely than not help you.
also know this if these people harass or insult you you have many options the first and probably the most powerful, call dell and complain call them directly don't call vki the will tell you what you want to hear and then disregard your complaint
2nd you can call the better business bureau , also powerful
3rd call the attorney general in your state and in the state where vki resides in this case Massachusetts, ask for the consumer protection department
now for their threats let me cool your nerves for you , 1st you have committed no crime there is no legal action that can be taken , 2nd the sheriff is not coming its a threat from the old ages (this company is still prehistoric) even if dell decided to sue you they would handle it themselves and there would be no sheriff involved.
3rd they cannot attach you property ruin your credit call your work or garnish your wages all threats . all they can do is call ask for payment and then harass you to death if you don't do as they ask. again this brings me back to your resources COMPLAIN it will work , in fact vki historically pays out to consumers to avoid actual legal complaints
about me , i have been in collections for 13 years , I've worked for 6 different companies on many different levels , I've trained collectors I've taught compliance I've managed and I've collected. i must say in the short time i was at this company i was completely taken by the behavior of the dell collectors (its important to say not all of them) and the management is even worse .
the bottom line is you have rights that they will violate . and I've now educated you as to how to handle this and how to stop this . also be aware that as the federal and state collection law is written harassment is anything that makes you the consumer feel threatened or harassed.
be aware also this company does record their calls and the so brazenly brag about how the edit the calls.
you as he consumers have rights and the ability to stop this form of harassment against you and others
Vki is a fraud