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<blockquote data-quote="Lingerfelt" data-source="post: 4302343" data-attributes="member: 578576">$170 being the actual amount the bank paid out of pocket, the rest being interest which they would not have made (26+% more than likely on his account) back on a typical loan (9-15%, not getting techinical, but it wouldn&#039;t be anywhere near 26%). How much they truly lose outside of the $170 really can&#039;t be determined.I never claimed I&#039;d make checks out to a collection agency, and I never claimed it was legal. Nowhere in my post do I address the legality of the situation.If the collection agency does legally own his debt and has the right to collect it, why the hell would you expect them to be friendly?Why do you expect ANYONE to be friendly? She made no threats, and she wasn&#039;t harassing. She asked questions in a tone of voice you didn&#039;t like, she can look down on you if she wants, and she can be a ***** if she wants. They&#039;re not in a sales environment, customer service is not an issue.But talking about &quot;getting those assholes&quot; and recording the conversation isn&#039;t going to get you anywhere, and does nothing but make you look worse.</blockquote>

[QUOTE="Lingerfelt, post: 4302343, member: 578576"] $170 being the actual amount the bank paid out of pocket, the rest being interest which they would not have made (26+% more than likely on his account) back on a typical loan (9-15%, not getting techinical, but it wouldn't be anywhere near 26%). How much they truly lose outside of the $170 really can't be determined. I never claimed I'd make checks out to a collection agency, and I never claimed it was legal. Nowhere in my post do I address the legality of the situation. If the collection agency does legally own his debt and has the right to collect it, why the hell would you expect them to be friendly? Why do you expect ANYONE to be friendly? She made no threats, and she wasn't harassing. She asked questions in a tone of voice you didn't like, she can look down on you if she wants, and she can be a ***** if she wants. They're not in a sales environment, customer service is not an issue. But talking about "getting those assholes" and recording the conversation isn't going to get you anywhere, and does nothing but make you look worse. [/QUOTE]

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