Thanks for your post.
While what you say is certainly true in our state, sending a letter is hardly being unresponsive. The act of mailing a letter to the creditor informs that creditor they have the correct address.
IMHO, that's not a desirable move.
Thanks for your question.Hi, I'm still on the early end of this and the bank doesn't know yet what is coming. I just signed up for the Google Voice number. Then logged into my mortgage account on my lender's website and changed my phone number to the Google number in my profile there.
It seems that you call my new Google phone number, an operator's voice says, "Hello, please leave a message at the tone, and Google Voice will try to connect you". Next, it rings a couple of times and then rings direrectly through to my cell phone number. I wonder if there is a "generic Google greeting" that does not say the word Google at all, and just goes straight to voicemail? If it says Google, of course the bank will call once and never call again. They'll just go into their files and pull out what is on record - the real phone number(s). If it says nothing, they might be duped into thinking you did change your number, especially if you don't ever answer them on the other lines. (That's what I hope.)
1. Is there a way to change the greeting that Google uses when someone places a call directly to the new Google number? If not, then I don't see the point. The minute they call this number, they are tipped off as to what I have just set up.
2. It seems that I have Google Voice set to roll straight through to my cell number (which is what I don't want), right after it tells the caller that it is Google Voice. I'm going back in now to see if there's a way I can set it to go straight to voicemail....without tipping off the caller as to what they are calling.
Any technical set-up tips are appreciated, thanks!
Well, they have given up calling, but I know they haven't given up the pursuit of their money. I seriously doubt I'll get out of this unscathed. Its just a matter of how long they are willing to wait.
Unresponsiveness is truly the champion of defensive postures!
Indifference and unresponsiveness are cousins that go hand-in-hand.
Unresponsiveness may be the ultimate attitude and weapon for debtors.
Nonresponse throws lenders and collection agents completely off their game. They donâ€™t know how to handle non-response, apathy, and indifference. This posture truly drives collections departments bananas.
Through the use of available telecommunications technology that enables us to block unwanted calls and/or to never hear the phone ring, unresponsiveness is easy to practice.
If the collections agent can never speak with the debtor, his/her most effective tool is eliminated. No matter how well scripted and how well trained, that collector is never able to use those skills.
When collections departments and outfits eventually realize the futility of their efforts, they decide to stop calling. Whereas, when the debtor speaks with a collections agent, the relentless collection calls will continue. Why? Because by responding the debtor is injecting energy into the process, thereby ensuring continued collection activity.
Thatâ€™s a testament to the effectiveness of unresponsiveness.
Itâ€™s not only possible, but itâ€™s now easy to avoid unwanted calls for many years, to include outlasting the applicable statute of limitations.
Thanks for your post. If collections again calls your school and you pick up the phone, I recommend you promptly terminate the call. To follow up on Ready2Run's advice, send a cease and desist letter to the lender. If you ever mistakenly pick up the phone at home, again I recommend you terminate the call. Whatever you do, do not engage in any conversation and definitely answer no questions.Hi Tom,We have been following your advice on "settling on your 2nd loan" for 27 days now. Very hard for me, easy for my husband. I got a call at work from some sort of "code" number I never saw today for the first time from "her." This was my only safe place and I am not sure how she got this number. I am a teacher so it makes it kinda annoying. Now what. She said why didn't I pay, she needs a payment now, I told her no I don't have the money, she said when will you have it, I said never. Long and short of it is she caught me off guard. I told her I couldn't talk I am with a student now. What should I do. I have a feeling she will be calling tomorrow and ect. Any advice? Thanks!
Thanks for your post. If collections again calls your school and you pick up the phone, I recommend you promptly terminate the call. To follow up on Ready2Run's advice, send a cease and desist letter to the lender. If you ever mistakenly pick up the phone at home, again I recommend you terminate the call. Whatever you do, do not engage in any conversation and definitely answer no questions.