Tuesday, June 21, 2011

Actual letter sent to the debt collectors attempting to destroy my life


Congratulations on frightening my mother by sending a sheriff's deputy to harass her with papers intended for me. That was awesome. My brother and I used to love to get a rise out of Mom with stuff like that.

In terms of getting in touch with me, I suppose the aim was achieved; I personally would have thought it more efficient to contact me via the address Discover Card should have from a letter I sent them nigh a year ago. But you are the professional debt collectors, so who am I to argue?

In that letter to Discover Card I explained I am presently living in Britain and that my financial situation is dire. As I'm sure many of the other people you've sent sheriff's deputies after will have also told you, jobs are difficult to come across at the moment. That is true internationally. Despite possessing a masters degree in the burgeoning field of Welsh-language creative writing, I have been unemployed for roughly a year and a half. In a country with free health care I am just barely able to survive but have thus far been unsuccessful in attempts to secure a salary that would allow me the massive payment requested by Discover Card.

I had asked if there was any way to resolve the situation, if any agreement could be made; their response was to ignore me and put you to the task of using law enforcement officers as message boys. My intent now is to file for bankruptcy as soon as possible. I have contacted an attorney to begin the process.

I am quite happy to receive any correspondence you may wish to send, at my address here in Britain (you will see it above, in the right-hand corner). I have not provided a phone number because even receiving a phone call costs money in this country. Additionally, and honestly, I have no desire to listen to people speak rudely to me about things I cannot make happen. I cannot make it rain; I cannot fly; I cannot make money magically appear in my bank account.

Please keep in mind that because of the roughly 5,000 miles between you and me, items sent via post may take a bit longer than you would normally expect. I assure you, however, that all correspondence will be dealt with in the same courteous and respectful manner you have thus far shown to me.

I wish you the very best. Keep living the dream.

Yours most sincerely,
Chris Cope

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