JoeMoney,
I would keep that to yourself and don't be proud that you have been a bill collector for the past twelve years. If you have so much experience then you should reply people in a polite way instead of being rude on here to show that bill collectors are not idiots like yourself. I have no use for bill collectors (parasites) because they make a living off people's hardships and on top of that you want to insult people every time you call them and you expect them to give you their money. I wish people would wake up and send in their settlement offers directly to the creditor instead of the collection agencies.



