The Great Depression of the 2010's musings part 2-The Debt Collectors

I really miss the comedian Bill Hicks. He would have had a political field day during last decade. I thought of his bit he does about people in advertising (I will put the link at the end of this post) and often feel that way about people in debt collections.


I don't know what personal experiences are out there. I have only my own which are true horror show. It is disgusting how you are treated by these people. I understand people have a job to do but you cannot squeeze blood from a turnip. When the calls first began I answered them. I was not trying to get out of my responsibilities, I was simply living on unemployment for a family of 3. Silly me, I thought I could explain to them how we had no money and how I'd paid my student loans religiously for 6 years and had every intention of paying them once I had a job again. Instead of working with me they still demanded the monthly minimum and said the most insulting things:


"Don't you have someone you can borrow the money from?"


(After explaining that my husband had just had a stroke and I can't even pay utilities. I have to pick which utility I can pay on any given month) 

"Your student loan is just as important and your utilities." 
(Is it really? Will my student loan keep the lights on?)


"This will lower your credit score."
(Really? I had no idea being in object poverty would do that to you)


I have stopped answering the phone. Each debtor calls an average of 5-6 times a day. My phone rings all of the time. Every time I hear it I cringe. It is beyond misery or depression. I am sure the majority of people who are the debt collectors list are like I am. They want to pay for what they owe but do not have the jobs to afford to. It makes life so much more humiliating and depressing when you know the phone ringing is yet another person demanding what you do not have. It is humiliating for my son to hear what a failure his mother is with every ring of the phone.




 Biil Hicks-Marketing

Most Americans are but a few paychecks away from where I am. I wouldn't wish this on anybody.