Consumer Portfolio Services CPS Threats, harassment, constant abusive phone calling weeks before payment is due, yelling, down grading personal situations, carelessness and disregard for financial circumstance, refusal to change pay Irvene, California

My wife and I moved from a renting situation, to a mortgage situation, all chocked up with a different date for payment on the house which was set to the same date as our car loan.  When informed of this, CPS was not interested in changing their pay date to the next week, when they would be able to get paid, in full, no problem.  Deadbeat?  Whom are you speaking of?  Me?  The guy with three jobs, one full and two part time?  My wife with two part time and a business of her own?  Two people who have no frivolous spending whatsoever because we are trying to set ourselves up in a position where we can have children and maintain a great lifestyle for a family?  We had no problem paying any of our bills at all with the exception of the disputable CPS.  But due to the date of our mortgage and the date of our paychecks, we were unable to pay both, the mortgage and the car payment simultaneously, a week later though, without fail, we could easily pay CPS, each and every guaranteed week.  Which we did.  Plus their late fees because they refused to work with us.  I'm sorry gentlemen, but you again, continue to pass ridiculous judgement.  Don't feel bad that you are both above the common folk and dribble your rhetoric, feel bad that you THINK you are above the common folk.

Even now, you guys are both wandering around the site, sniffing these people out and brandishing your "forever pay bills on time, get second and third jobs stop being losers" speech to people you haven't a clue about.  That my little buddies, is called passing uninformed, blind, ignorant and immature judgement.  It's childish.  The sort of thing a 3rd grader would do wandering around a recess break or lunch room.  It's sorry.  Again, the warning is the attitude and the way these people conduct there business.  I am clearly aware that I am not sitting down ordering a steak from CPS.  I'm not doing that with my phone service provider or my electric provider either.  They too will cut off the services if negligence is in place, but prior to this negligence ever taking place will sit down and work with someone who contacts them and informs them of need of assistance or life changes.  Even landlords are willing to bend somewhere in a six year period because they are aware that things happen in that time span.  A lot of things change.  Except for little Jimmy and Kenneth here, always on the straight and narrow with not a quip of financial issue, as if they are apart of the USA standards of living club.  Most people don't have it plushy posh like you two, hence why many of us work several jobs and long hours and have yet to work on having any children cause we aim to be in the right place in life.

You guys clearly have it all figured out and well put together, instead of coming onto these sites and belittling struggling or disgruntled people, how about offering some of your vast wisdom, perhaps a better infomercial other than "Don't do that, oh and stop being a deadbeat?" what kind of mess is that?

Tell you what - Thanks for your suggestions gentlemen, I'll keep it in consideration while I'm out here wandering around the word aimlessly, without direction lazily being a dead beat.

Losers.

Blessings to you both and the others out there just like you, it's amazing you've survived this far and I wish nothing but more good things for you.  :)

"AUTHOR: Jim - Orlando (USA)
SUBMITTED: Monday, July 30, 2012POSTED: Monday, July 30, 2012
Ken is 1000% right!!! By the way, you're NOT dealing with "Customer Service" here...you're dealing with BILL COLLECTORS. You wouldn't need to deal with BILL COLLECTORS if you paid your bills. Don't have enough money coming in? Easy fix! Get a part time job or jobs for your free hours and guaranteed you'll have more money coming in.

And Ken...stand by...I can feel it coming..."You must work for THEM!"
Almost as certain as "Josey WAILS" posting another inane, totally off the subject rebuttal.

Ken is 1000% right!!!  By the way, you're NOT dealing with "Customer Service" here...you're dealing with BILL COLLECTORS.  You wouldn't need to deal with BILL COLLECTORS if you paid your bills.  Don't have enough money coming in?  Easy fix!  Get a part time job or jobs for your free hours and guaranteed you'll have more money coming in.

And Ken...stand by...I can feel it coming..."You must work for THEM!"

stated you had a "problem" making the agreed payment amount on time MANY times.

Most deadbeat borrowers when they've over-extended themselves (again) blame the problems on every one but themselves.

I would bet this isn't the first (or last) time this has happened to you and will continue to happen until you learn how to budget your money properly...NOT likely, right?

If all these subprime lenders (who operate on the same business model) were to be put out of business as you deadbeats always recommend, who would then loan to the legions of deadbeats out there?

They've heard ALL the excuses on a daily basis and they just don't believe ANY of it anymore.

It's the only way they have of dealing with deadbeats.