Screw Bill Collectors!

Every working class person, at some point in time, has fallen on hard times and faced the dreaded bill collector calls trying to persuade them to pay a minimum amount on a past due debt or to work out some kind of payment plan.

I know because it has happened to me. Scared to pick up the phone. Always checking the caller ID. But now that I have learned the game of the rich, white man. When they call, I play with them. The rich, white man files for bankruptcy seven or eight times. I just wait until the muthafuckers charge it off, sell my date and for the bill collectors to start calling. This takes about six months. During this time you might receive harassing phone calls, but they're not going to come to your house and kick your ass for it.

I've tried this method, which is why I'm writing this blog today. When bill collectors call, they have purchased the debt from the credit card company for about ten to twenty cents on the dollar. The only thing the bill collector is provided from the credit card company is the name, address and the amount owed. By law, you can demand proof of the debt, which 99% of the time, the bill collector will not have. However, if you make any type of payment to that bill collector, even as little as $5, you are admitting that debt and you owe them the money.

The credit card companies have already been paid because they have insurance on your ass. They have charged off the account, collected the insurance money and reported you negatively to the credit bureaus. Therefore, they already got their payback.

People are so obsessed with keeping such a good credit score but, the truth is, a credit score don't mean shit if you don't have any money. It's time for us 99% to start screwing over the 1% the way they've been screwing us over for years. Big Banks get bailed out, AIG gets bailed out and the Fortune 500 companies get Government subsidies on the backs of the working, tax paying citizens.

If all of the 99% use the steps above, we would bring the 1% to their knees. But instead, they have us working ourselves to death worrying about a fucking FICO score. What the fuck is a FICO score. It's some shit they made up to charge us more interest. How come the big businesses don't need a FICO score? So I'm saying the same thing that Donald Trump has said, the banks have said, AIG has said and all the other multi-billion dollar corporations have said "Screw Bill Collectors!"

Ghetto Bastard: A Memoir (Volume 1) and Ghetto Bastard 2 (Volume 2) by Russell Vann


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