Arrowhead Finacial Services Harsh Tactics, Verbally Degrades, Cannot Provide Accurate Information. Ripoff Niles Illinois

This report details more of the harsh tactics of a corrupted representative and the agency of a Collection Service. I must start by saying I am taking care of my financial problems and have obtained a lawyer to do so. I changed my home phone number about 5 months ago to stop the collectors from calling night and day, and being I haven't heard from any of the collectors I had to start calling them with the info I needed to put on my bankruptcy papers. Of course me calling them showed them my new phone number via Caller ID. OK, no big deal ... I'm going bankrupt, many are with the new law coming in effect in Oct.

This all starts when I recently placed a call to "Arrowhead Financial Services" with regards to what they placed on my credit report. Yes "I" called them. I wanted the address to the original creditor. I spoke to a gentleman that was assigned to my account. I asked him for the original creditors phone number, and he said "I dont have it", and I said ok thank you very much, and I hung up. Simple enough?

Today, three days after I made that call I received a telephone call from that very same gentleman acting as if he was my long lost best friend and I have to assume thats one of their tactics to catch the "debtor" on the phone. Well, I knew it wasn't anyone I knew so I assumed it was the collector I called the other day, and yes I was correct. He went ahead and acted as if he "got me". The truth is "I got him three days prior, and I am the one that called him". Well, he went on to tell me I have to pay this bill. I began to tell him I am going bankrupt. He wanted the name of my attorney. I told him it was a "group practice" and I can give him that information. He wanted my attorneys phone number immediately, and I explained to him I didn't have it in front of me, but here is their complete agency name, address, and also the lawyers full name. NOT good enough ... he wanted a phone number! He kept talking over me and would not let me get a word in, so I had to yell over him. I guess that got him mad as he then told me "You can't afford to go bankrupt", ha ha ha your crazy to think you can afford it your too poor to even pay your bills!

Well, of course that got me fired up! Who is this person to tell what I can and cannot do? Who is he to judge me on our current financial crisis? He's right that I cannot afford to pay my bills at this time, but that is no way to speak to someone down on their luck. Its not proper and as far as I am concerned I would never treat anyone like that. So, I said to him "How would you know" he said you don't pay your bills your to poor to go and hire an attorney to go bankrupt. That was fireball #3 he whipped at me. Now, I am really mad at this point. He keeps asking for the phone number to my attorney I am so upset at this point I can't think straight, I'm trying to go through a pile of papers to get this information to this rude person, and all while he kept talking over me and laughing at me. He didn't stop talking at all so I just read my attorneys complete name and address to him. He then said its all lies.

At this point I said I am hanging up on you and don't you ever call my home again. He said "Yes I will call, I will call you several times a day if I have to". I then said No, you cannot! Once I tell you to stop calling you cannot call me anymore, especially when I told you I'm in the process of bankruptcy". Once you read more of this you'll see this collector surely wasn't looking to "work with me" and I feel they simply "live for abusing people in financial crisis, rather then working out a realistic payment plan.

At this point, I'm starting to realize something. "This guy is doing this on purpose"! Why is he doing this? Its an aweful way to get someone to work with you on paying a bill... I was thinking to myself... something strange going on here. I then started to think to myself "Is he recording this conversation so that he can use it against me in bankruptcy court?" I really have no idea, but it sure was the only think I could come up with. By this time I called him a few choice names... and trust me I am very upset with myself for doing that. I lost my temper... but only due to their tactics! I was MORE then willing to work with them, but yet they were abusing me.

I asked the man to shut up so I can give him the information. He said you should have your attorneys phone number. I said "I do, but you got me so upset I can't find it, and I wasn't prepared for your call today" so give me a moment and you'll have all the information you need. Well, I told them I am getting the number hold on. I come back to the phone to start reading off the phone number and he says something to the fact about the call being recorded and hung up before I was even done with reading off the phone number he wanted so badly. He didn't even get the entire number! So, why did Arrowhead Financial Services call me today? I was more then willing to give them the information they wanted, but for some reason I don't think they wanted to hear "Lawyer, Bankruptcy" and that's what started all this.

At this point I was shaking so bad, and crying! How dare someone tell me I'm to poor to even go bankrupt? Whether its true or not I don't think at the moment it's not a nice way to work with someone. This persons tactics are better left for "garbage collecting".

I have to admitt I was so freaked out that I got very foul mouthed with this person but AFTER they told me I was to poor to go bankrupt, and a liar. I now wonder this "Why would they call me and ask for money when they have already judged me as to poor to even go bankrupt"?

I decided this was not good because I was all upset, crying, my heart rate went well over 200 bpm (already have heart troubles and only in my thirties). I figured I better call this mans supervisor. I think they were waiting for my call. I kept getting disconnected. At this point I was even more upset and finally for some strange reason was connected to an answering machine. I left a silly message (sound like a cry baby, but hey I was upset) I decided I better call back and be mature about this. I finally spoke to a supervisor. She said she would listen to the tapes. I said "what tapes?" she said the tapes that you agreed to when the conversation first started. AHHHH, right there that is a outright lie! I asked to hear these tapes and she refused, but insisted I agreed to it. I know I didn't agree to any recordings because I always say "NO". She said she listend to the tapes and she said the collector didn't do anything wrong with considerations to the things I called him. This supervisor feels it was "EVEN" Well of course they will say that cause they don't want to be held responsible. Well, first off I never agreed to be recorded from the beginning of that phone call, and secondly they only mentioned recordings in the last 2 seconds of the phone call at thats when the man hung up on me.

I think what hurt me was me losing my temper and calling the gentleman a few choice words. However, I lost my temper "after" they verbally attacked me first.

Why did I write all this today? Well, if anyone else has had troubles with Arrowhead Financial Services I would very much like to hear from you. I have also contacted the creditor that contracted the Arrowhead agency, and the creditor is requesting a copy of these tapes. They did say that under any circumstances they do not support that type of collection tactics, and as far as they are concerned I could tell the collector to drop dead, and it still wouldn't matter, it doesn't give them the right to talk to me that way because their a "business". The creditor will be contacting Arrowhead financial's headquarters. At this point I am also speaking to my lawyer about this and hopeful I can get a copy of the tapes. All's I wanted was an apology from this man. PERIOD!

Michele
Waretown, New Jersey
U.S.A.