Hunter Warfield Uncooperative, Dreadful customer service skills, Terribly rude, Tampa, Florida

This is why I wouldn't pay em SQUAT.

Such a sad bunch!

hey Steve.  I am curious about something, if you are so proud of what you did, why would respond to my original post as Southern Chemical and Equipment instead of Steve of
Bradenton, FL. 
Your website (see below) 
http://www.veteranownedbusiness.com/business/7373/southern-chemical-equipment-llc 

shows your business is Veteran Owned Business.  Most of the Vets I know are honarable men, who try to pay their bills, and if they could not pay their bills, they would have attempted to pay as many as they could, instead of just walking away from them.

your Age, and your city from your original post made you easy to find through White Pages.com.
However to save you some dignity I will not post your name, address or phone number, just on the off chance that is not you. 

i have credit problems too, but you know what, I am paying off my creditors as I am able.  I am not just walking away from them. 

I think what I am trying to say is you are the Arrogant one because you are bragging about how you cheated over 32 different creditors, and yet you brag about being a Veteran Owned business.

I think you should contact all 32 of these creditors, and offer to start paying them , then you will be the proud veteran who served his country, instead of the cheat who told these 32 different business I am not going to pay you.

You are a idiot.
You own a business, and you dont pay your debts?  Why not?  I'll bet you dont pay your employee's either.  I bet the IRS is probably after you too because you dont pay your payroll taxes that you collect from your employees.

One of these days, they will catch up with you, and You will be sorry.  It would be easy to find out, considering I know people who work for the IRS.

I can pull a dunn and bradstreet on you, and see if you pay your business bills as well, because I am assuming you dont.

I will look your business up, and send them a copy of your post, and I will give them my name, and address.  Who knows, I might get a bounty for turning in a tax cheat.  And the best thing about this is, The IRS will not tell you who turned me in.

you do know that any time a debt is charged off, the companies can turn the amount of the charge off over to the IRS, and send you a 1099.   You will owe back taxes on you as well.

Well have fun cheating people out of money you owe them, I bet however when your customers dont pay you, you scream, and scream about the Deadbeats!!!

You guys don't get it, and that is just too bad.



First of all, none of this has anything to do with morals, so get off your moral high horse. Get over yourselves. You are not as imporatant, or moral as you think you are.



Here is some wisdom for you.

Arrogance is the most extreme form of stupidity.

In plain words, you are not smart enough to display such arrogance.



The guy who said he is still paying, well that is only due to your own arrogance and stupidity.

You failed to formulate a workable plan and see it through. 

You know nothing, and that is why you are paying!



To the clown bragging about "sewer service", etc.

I am waiting for that kind of stupidity and arrogance you FOOL!



As soon as some clown like you pulls that, I will have you criminally charged with fraud and/or grand larceny, and I get the lawyer dis-barred for engaging in illegal activity. Then, I sue you personally and every single person who was involved in any way.



You see, you are a debt collector because you are just too stupid to do anything else. You have no skills or ambition, and most likely an inferiority complex. You are an "internet tough guy" who is obviously impotent or suffering from "small mans" syndrome.



Real tough behind that computer screen and/or telephone.



Step up on me with that mouth and attitude, and you leave in a body bag.

Guaranteed.



My business is listed.

Come see me.

To "Joe"-

I've never paid a collection agency SQUAT.  And they've never "made" me.

To the op.  WHY are you trying to pay for carpet?  Didn't you pay a deposit when you moved in?

FOGETTABOUTIT!

Steve:
You are A LOSER!!!  You admitted to walking away from 32 creditors, for over 150,000???
And laugh at how you did not pay them 1.00.  OK, so your worthless DeadBeat a*s DEFRAUDED 32 different creditors, and you brag how your credit score is so high.

Your rants, and raves against bottom feeders is pointless, because you have no moral compass. 

The real bottom feeder is you.  And I would not get too comfortable about SOL.  The SOL says that they cannot collect in court, but that would not stop them from SUING YOUR WORTHLESS A**.  Legally you still owe the money, just the courts limit the way the companies can collect.  If they did decide to sue you now, they can,  and then you will have to go to the time and trouble to appear in court to get the judge to drop the suit. 

I am going to find out who you are, and turn your name in to all my collection agency friends, and perhaps one of their agencies will decide to LEGALLY HARRASS YOU BY TAKING YOUR WORTHLESS a*s TO COURT. 

I just hope you decide not to show up at all thinking a Judge will tell the agencies that sue you that they cant continue.  He wont, if you dont show up, then he will issue a default judgement for them, and next thing you know , your credit report will show judgements against you, and you will find your bank account garnished, as well as your pay checks!!!!!

And We do Sewer Service.  That is we have you served at a Old Address so you dont know you have been served, it comes back un served, and then the Law Firm that sued you, can proceed against you.  Then when we get our default judgement against you, we then go to the court where you actually live, and start seizing assets.

Be careful , collection agencies will wait 10 years to do this, so you wont suspect that is their plan.


You will die one day, and YOU WILL BURN IN H**L, FOR BEING SUCH A WORTHLESS TRASH PEICE

Yes Stacey I use to work for collection agencies as regular floor collector specializing in credit cards, defaulted loans, delinquent cell phone accounts and so forth. I also have friends who are in the business as well that deal with outstanding funeral and apartment lease debt.

The reason I stated all those things in my last post to Steve is because I know what it is to be a debt collector and I also know what it is to be on the other side of the fence as a debtor. I have had the unfortunate experience of being sued more than I care to say.

The advise people like Steve gives out is simply dead wrong. His way will get you into more problems than what you already had. How do I know this? Because I had the same attitude he wrote in his post. It cost me TEN's of THOUSANDS of dollars I am still paying today.

I know of a personal friend of mine who was sued by HWI's client for over $3K and can't get a place to live unless she has someone else sign the lease as a co-signer. I've seen this happen many times over but unfortunately people just don't understand that eventually all of it will catch up with you. In the end you will be needing to get something in the future which cash or a co-signer simply won't do not unless you plan to hit the lottery or gain an inheritance.

Now let me be CLEAR so no one misunderstands me, although there are questionable agencies out there who need to be shutdown for their illegal tactics, the rest of them make an honest living. This is about RESPONSIBILITY on both sides of the fence. I DON'T condone abusive debt collectors or shady tactics to get you to pay (ie: threaten to sue when the agency doesn't have the ability to). Those people need to be put in jail.

Like I have already stated there are abuses in EVERY profession such as the police departments, politics, education and so forth but that doesn't mean we get rid of everyone or the whole profession just to have chaos on our hands. We clean up the mess to make sure it's operating properly and move on. 

Debt collections is like any other profession where as it's a necessary evil in this world otherwise we ALL end up paying more than what we do now. If your debt is out of the statue of limitations in some cases you don't need to pay it because after 7 years if falls of your credit anyway. For example a credit card company will sell your debt after a while of not being able to collect it. The company that buys your debt will purchase it for pennies on the dollar.

So let's say you owed company X $10,000 then company Z will come along and buy it for $4000. What do you think company Z is going to do? Of course they will try to make you pay the whole $10K you originally owed. This is where the debtor has CONTROL because if they pay company Z ANYTHING even $5 dollars the debt now becomes new which means it goes back on your credit report and the CONTROL shifts back to the company that purchased your debt.

However property debt doesn't work this way because even though the statue of limitations (check your State laws) might have run out and down the road fallen off your credit you still will have a hard time getting an apt or difficulty buying a house due to the fact it's on your rental history. Not only that it can also affect everything else you do such as getting a job, jeopardizing your security clearance if you're a government employee or military personnel and much more.

Think about it. If you're a property manager and you have John Doe who owes another apartment complex which he never bothered to pay what do you think he is going to do when he moves out of your complex? The same thing. This is why most apartment communities participate in what's called "rent check". It is a system similar to those pay advance places in that if you owe one company the rest of them know and AGAIN they will know even if it has fallen of your credit. That's the difference between credit cards, auto loan debt etc and property debt.

HWI and most collection agencies that I know of which deal in property debt DON'T buy it. They are hired by the very same people you did business with. This is why it's ALWAYS your responsibility to READ what you signed and make sure BEFORE vacating the premises that all your I's are dotted and T's crossed so you don't end up paying more than what you originally owed.

Here are some links to help you and others understand how serious property debt can affect your life:

http://allcreditrentals.com/2010/10/22/broken-lease-eviction-tips/

http://realestate.msn.com/article.aspx?cp-documentid=13108378

http://realestate.msn.com/article.aspx?cp-documentid=24608715

Joe,



All I can say is that you are totally delusional, and know absolutely nothing.

Really.



FYI... I am 48 years old right now, and back in 2002 I walked away from 32 creditors for a total of over $170,000.

Guess what genius?

I beat you moron collectors around every corner.

The SOL has now expired, so I now owe NOTHING (legally).

And, nobody ever got so much as 1 dollar out of me, and I have never had so much as a judgement on my credit report.

And, as of today, my Experian score, which I just pulled is 753 as of my last update which was May 1st, 2011.



The bottom line here is that you are a God Damned Idiot who knows NOTHING. Go back to you cubicle and play with yourself, or surf the net for more kiddie porn. That is the makeup of a debt collector. It is very scary, but the stats prove it. People get into debt collections usually for some sort of percieved power, as they were usually beat up as kids, abused by parents, or just overall a failure in life.



You better read every single word exactly the way I have written it before jumping in to "educate" me.

Regarding the information thing. Re-read exactly what I wrote, stupid.



You are pathetic little loser who probably lives with Mommy.

Joe - are you a debt collector?? The reason I ask is because there are all sorts of collection agencies out there and you sound like you know about this form of business.  As to the OP - the person rented a space and therefore is obligated to pay for damages. 
Other debt collection agencies try to collect debts that are out of the statue of limitations and use strong arm tactics to do this.  Just an observation.

Hey Steve in Bradenton, I suggest you don't become an attorney because your advise can give a person more headaches. The "your way or the highway attitude" is always a losing proposition for the debtor. I suggest you REALLY educate yourself before spewing such hatred towards collection agencies.

Unfortunately CA's are a necessary evil in this world because if we didn't have them we would ALL pay more due to irresponsible people and attitudes such as the one you displayed so well in your post. Is it perfect? Absolutely not and although there are questionable agencies out there who need to be shutdown for their illegal tactics, the rest of them make an honest living. This is about RESPONSIBILITY on both sides of the fence.

That so called "bottom feeder" as you call it can report the delinquency to your credit.

That so called "bottom feeder" CAN legally charge you interest or a "fee" as long as their client allows it.

That so called "bottom feeder" can stop you from getting the things you need. Oh and before you say you'll buy everything in cash I can guarantee you the REALITY will hit you harder later on.

That so called "bottom feeder" can also in some cases get you sued by their client for not paying which means you are looking at court costs, legal fees and even MORE interest.

That so called "bottom feeder" can get an attorney to obtain judgment on you then request for either garnishment of wages, lien on property, bank levy or even take your tax refund depending on your situation and the State you live in.

YES Steve that "bottom feeder" you detest so much has more power than you think. As long as they don't violate FDCPA you WILL end up paying more in the end for your stubbornness.

By not answering your phone you ONLY hurt yourself. Why? Because you're the type of person that when you start looking for an apt or try to buy a house, car etc all of the sudden you quickly call that "bottom feeder" to get what you want. I have seen it over and over again when I was a floor collector.

Oh and just to prove HOW ignorant you really are, here is a quote you made in your post:

"And, never give any third party debt collector any personal info at all that they do not already have. NEVER "validate" your identity as they always request. Never give them job info, and never pay them out of any bank account. Always use a money order ONLY".

Really? Really Steve? What do you think the debt collector has in front of them when they call you? I always laughed at debtors just like yourself because the ignorance was unbelievable.

When I had debtors who didn't want to verify their personal info, I would immediately put them on notice by stating their social, dob, drivers license # and YES even their bank account which would immediately shut them up. How you may ask? Simple. The VERY client you did business with that hired the CA  sends them all your personal info such as the contract signed, application, along with contact numbers and anything else which could be needed to find you.

As for not divulging employment information, AGAIN this is plain ignorance because the CA can run your social through certain software companies that your VERY own employer participates in and can easily find your place of work.

Heck a debtor collector can even find your social if they didn't have it by simply typing your name and the last address you lived at. They can also find out if you use any aliases, own property, what type of professional licenses you may have, who you're related to. I can go on and on. LOL..LOL. So again Steve your advise is downright ignorant not to mention a waste of time.

Now let me address your other ignorant statement. I am schooling you in the new age of collections because for some reason Americans like yourself think CA's are still doing business the way they did back in the 1970's using a rotary telephone and a phone book to call you.

Your statement:

"Pay what you can, when you can. There is nothing they can do. Send them 5 bucks a week and tell them next time they call you they get no more money. Tell them to take you to court. Then they get the same 5 bucks a week".

Another BIG MYTH with debtors is that the CA HAS to accept your money even if it's 5 bucks a week as you stated. Unfortunately this is NOT true because the CA is legally hired by their client to collect the debt with certain parameters layed out in the contract between the two companies. They TELL YOU what to pay not the other way around and if you don't want to comply then they can document that as a refusal to pay or cooperate.

A common but unfortunate mistake a debtor always makes is when the CA doesn't comply with their demands they act tough by saying to take them to court. If I had a nickel for every time a debtor would tell me that and ended up paying more I would be rich.

A court of law can make you pay MUCH more than 5 bucks a week sir. This is because depending on your situation or State a judge once judgment is obtained can give the company suing you the right to garnish your wages (up to 25%) or as I mentioned above lien your property, take your tax refund and so forth.

Don't believe me? Here are a couple of links that I hope Rip Off report doesn't redact showing the consequences of being sued:

http://www.creditcards.com/credit-card-news/todd-ossenfort-lawsuit-debt-collection-garnishment-1292.php?aid=46bf5df1

http://money.msn.com/credit-rating/article.aspx?post=bf5c3932-1d21-436f-b20f-093e0da61b6c

Steve your disgust towards an industry that although has problems is no different than any other profession is again just ignorant. There are low lifes in every line of work not just collection agencies. These "low lifes" as you put it are in government, police departments, education, sports etc. 

If these Americans who work at CA's are "bottom feeders" as you call them I guess anyone who calls you to pay your bill must be a "bottom feeder" as well, huh Steve?

Let's put that theory to the test.

IRS - If a US Citizen legally owes back taxes then the IRS agent who calls you is a "bottom feeder", correct? Don't worry Steve we don't need our roads fixed because they fix themselves. Oh and before I forget, schools don't need tax money either because all the kids today teach themselves Steve.

Child Support - If a dead beat parent doesn't pay than the child support enforcement collector that calls you is a "bottom feeder" to? I guess little children around the country won't get to eat today Steve.

Credit Card Companies - If a consumer fails to pay their cc bill they LEGALLY promised to pay back than the company rep who calls you is a? You guessed it, a "bottom feeder" because in Steve's world it's ok to rack up debt so we ALL pay more in the end.

Apartment Complexes - If a tenant skips out on their lease and leaves the landlord holding the bag than the collector who calls them (which the complex legally hired them to begin with) is a "bottom feeder". Why? Because Steve doesn't care that debtors don't honor their contracts that they signed and leave the business owners (who keep the economy going by the way) high and dry.

Utility Company - If a consumer fails to pay their monthly bill and the utility company rep calls you to get their money, in Steve's eyes they are, that's right, a "bottom feeder". Steve doesn't mind that the rest of us will have to pay more in electricity or phone taxes to make up for the dead beats who won't pay.

Banks - If a consumer fails to pay their monthly car payment/mortgage than the rep that calls you is a "bottom feeder" as well because GOD forbid a collector calls to make sure a debtor is maintaining their financial obligations they agreed to honor.

I can go on and on but you get the point. Playing the victim game is a constant tool people always use to avoid being responsible. It seems to be the American way now a days. How sad. Then we wonder why we are in the mess we're in as a country.

The best thing to do is to never get on the phone with any bottomfeeder.

Demand everything in writing.



As far as them inflating the amount, that is flat out illegal.

A collection agency cannot inflate the original debt for any reason unless the amount was awarded by a court. Original creditors can add interest as allowed by law, but this cannot be done by the collection agency. The original creditor must do the accounting, as pass on the increased amout to the bottom feeders.



As far as the "refusal to pay, and "refusal to cooperate" statements made by the bottomfeeder, those statements mean absolutely nothing from any legal standpoint.



They only use these statements to illegally intimidate the uneducated debtor.

It is an intimidation and coercion tactic which is illegal.



If you ever do decide to speak to a collector on the phone, ALWAYS maintain absolute control during that conversation, and be sure to talk down to them as the credents they are. Let them know that it is your way or the highway.



And, never give any third party debt collector any personal info at all that they do not already have.

NEVER "validate" your identity as they always request. Never give them job info, and never pay them out of any bank account. Always use a money order ONLY.



Rest assured that THEY are the only form of lowlife in this situation.

Pay what you can, when you can.

There is nothing they can do.

Send them 5 bucks a week and tell them next time they call you they get no more money.

Tell them to take you to court.

Then they get the same 5 bucks a week.

First let me state, when dealing with a collection agency you are NOT a customer and there is no such thing as customer service at a collection agency. You are the debtor. There is no customer service department for debtors. The ONLY customers are the clients that hire the collection agency to collect your debt. THAT'S IT!

Now to be perfectly clear just because CA's are not customer service when you call doesn't give them the right to treat you unprofessionally. I don't condone ruthless collectors or agencies that violate federal collection laws.

In answer to your issue dealing with this company, you have admitted knowing about the debt and attempted to make payments with the former landlord but through your own admission was not consistent. Despite your financial problems the apartment complex has the right to send your account to collections if they deemed it necessary. Contrary to popular belief they don't have to wait for your financial situation to get better in order to make payments.

When you default on a contract in some cases it can become an interest bearing account. The collection agencies even have the right to add whats called a collection "fee". And before you start screaming, YES it's legal. They are not trying to rip you off. It's the unfortunate penalty for defaulting on the contract you LEGALLY signed.

As for you not being able to pay the full amount, well that's what they were hired to do by the very same client you signed the contract with. They don't have to offer you any payment options because remember by your OWN admission you weren't consistent paying the original creditor to begin with. This is ALL on YOU NOT the CA or the apartment complex. There is no debt forgiveness when you sign an apartment lease.

The reason for giving an alt # is simple. Most debtors will have a cell phone which they use all the time. The problem is when debtors setup a payment plan if something changes on the account (ie: lapse in payments or the credit/debit card on file is invalid etc) should the collector need to contact the debtor most often than not they either disconnected their # or changed it all together. Believe it or not it happens A LOT. By having an alt # the collector can at least leave you a message to call them back. They are NOT allowed to discuss any of your personal business with friends or family members. This is 3rd party violation of the FDCPA.

Finally, if you choose to deal with the original creditor I have news for you, 99% of the time they will refer you right back to the agency they hired. There is a BIG myth that you don't have to deal with the CA's if you don't want to and can pay the original creditor. This is NOT true especially with CA's that actually buy your debt (not HWI), so in the end you can't even talk to the original company you did business with anyway.

Best bet is to request to talk with a manager, give them an alt # and see if you can resolve it.