Simms Associates - Bad Business! Newark Delaware

What this caller did threatening you like that is not right if she calls again tell her what she can kiss then hang up. If fact you do not have to talk to them at all . If you have caller id and see that # do not answer the phone besides they cannot touch your wages

But no call back - they are a bottom feeder collection agency
You cannot be arrested for debt period - been there done that - sued and WON
Just send them a cease communications letter via certified mail with return receipt requested - keep copies
When the call (and they will with the same message It is very important blah blah)
Let the machine or voice mail take it - make a copy on a tape recorder and take a picture of the caller id (my attorney taught me this trick)
go to www.budhibbs.com for more information

First of all, what they're doing is illegal. They cannot threaten you with jail. If I were you, I would report them to the FTC and the State Attorney General's office. If that doesn't work, then go out and get a lawyer and sue them.

Secondly, they have some nerve to tell you to forget your rent, utilities, and car payments and to pay them first! That's a bunch of bull! Your basic living expenses come first. What does this Lynn want you to do? Become homeless? Not have any utilities on and no transportation to get around.

That's what really bothers me about collection agencies. They expect you to return their calls in a flash like it's a matter of life and death.

I remember this one day seven years ago, this one guy left a message on my answering machine and he demanded that it was "imperative" that I return his call. I left for him one really nasty message and to me, this wasn't really essential.

Another collection agency kept on calling me and said that "it was essential that I return the call". I did, and I spoke to a supervisor about this and she said, "Well all bills are essential, ma'am."

What I have done is this: I first pay for what is priority, such as my rent, cellphone bill, medical insurance, life insurance, food, transportation, and my prescriptions. Anybody else that I owe money to is just simply going to have to wait. And if I do send them anything, I send it to them on my time, when I'm able to, and that's that. There is really no need for me to return these bill collectors' calls. Keeping a roof over my head, food in my stomach, my electric bill and my cellphone bill on, my prescriptions and insurance coverage of my medical bills is way more important than some past due credit card bill or anything else that I owe that I feel is not priority.

If any of these collection agencies ever call you again, do not return their calls. Even if you do pick up the phone, tell them that they'll get their money when you get it to them and that's that! Put your living expenses ahead of everything else. And if you ever deal with Lynn again, ask her how she would feel in being homeless and out on the streets; simply because she told you to pay them first instead of your rent or mortgage, your utilities, and so forth. You don't have to deal with people like that!

If you have an answering machine or caller ID, then just simply screen your calls. When these bill collectors call, don't answer your phone.

Collection agencies "may be doing their job", but you don't have to return their calls.