A man is praised by the internet for his revenge on a debt collector, sending over 600 voicemails before all is said and done.
The now-viral Reddit post, titled “I left over 600 voicemails for a debt collector last night,” has been upvoted 19,100 times since it was shared to the “Petty Revenge” subreddit. Redditor @Nerd_Law shared the post on June 4, which has already garnered over 900 comments.
According to a CNBC report compiled from 2019 data from Experian, the average person in the United States was found to have $90,460 in debt, which includes credit cards, loans, mortgages and even student debt. Generation X are the most in debt on average, amounting to $135,841.
The Consumer Financial Protection Bureau reported in 2017 that under federal law in the Federal Debt Collection Practices Act, a debt collector may contact other people, but generally only to find out how to contact the person in debt. There are also limits to what they can say about the person they are trying to contact, and they can usually only contact other people to find out where the person lives, their number, or where they work.
They generally cannot contact individuals more than once about a person, and they are not allowed to say they are trying to collect a debt. Usually, they cannot discuss the debt with anyone other than the person involved, their spouse, parents, guardian or lawyer.
Last Friday, the original poster (OP) received an “urgent voice message” at 3 p.m. on his personal cell phone from a woman in the services of the ARS asking him to call her back no later than 4:30 p.m. The man, who is a lawyer, occasionally received “urgent” calls as well as voicemails on his phone, but he did not know what “ARS” stood for or who they were.
“So I call back, and it’s a debt collector, and they’re trying to bully me about some credit card debt that my ex-wife of eight years had with them demanding that I ‘.. .sends him a message'”, the OP explained. “I asked them why they were calling me and leaving a message like that, and they were rude and then hung up. They didn’t answer when I called back.”
The OP then used an “Android phone callback app”, called the number throughout the night and left over 600 voicemails. The man added, “Should be a fun Monday morning for them. Happy ARS Monday!”
In an update, the OP said the app was called “Automatic Reminder,” that the incident happened in the United States, and that the debt collector was in New York. The OP said he searched for ‘ARS’ before calling them back and got many ‘hits’, making it difficult to tell exactly who was calling him, which he said was ‘their intention. Voice Messaging”.
The editors give their opinion
Many people expressed their own thoughts in the comments and loved the man’s choice to leave hundreds of voicemails. “Sweet revenge,” said a Redditor.
One Redditor pointed out that “It’s illegal for debt collectors to tell you about her debt without her permission. She could sue and win very easily.”
Another user might just say it was USA before they even read the message. “It’s like the fucking Wild West there,” they said. “I have nothing but professional contempt for American debt collectors.”
A Redditor mentioned the OP’s profession as a lawyer, insisting, “The thought of a lawyer doing this makes me so much funnier, Lol.”
Meanwhile, one user found the idea ‘brilliant’, adding: ‘We need to find ways to email companies that email us from accounts you can’t reply to’ .
Another user wasn’t so sure if it would work as the OP expected. “On Monday morning, they saw 600 messages from the same person, listened to the first one and deleted the rest.”
Some people have told their own stories, with one user saying a debt collector was “harassing” them for months because I had the same first name as their debtor. I’ve never heard of this person in my life, but apparently it didn’t matter. F**king absolute scum. “
Newsweek contacted ARS national services for comments.
Other Viral Moments
This isn’t the only viral moment involving some type of revenge. A man’s request for better gifts for his children backfired in late May. The internet praised a college student’s $400 revenge on his roommate last month. In addition, a teenager got revenge after being excluded from the family photo.