In the car where Paula Hanson lives, often parked in front of a local sheriff's station in Lancaster, California, her phone would not stop ringing.
USE OF COMPANIES Autodials can collect their debts because they are cheap and easy to use, said Jeff Hansen, an information technology expert. When he worked in a call center, they dialed more than 1 million people per hour for less than a penny a call.
But the way the technology works makes it difficult for consumers to end their calls, he said.
"You get ten calls in one day and the first call says," I have no money. Do not stop calling, "but these automated procedures keep people from looping," he said. "The dialer was loaded all day long and will call you further."
Discover's employees have found the right strategy for anyone with difficulty making their payments, said Derek Cuculich, senior corporate public relations manager. "We determine their situation and work with them to find a solution that will help them in difficult times," said Cuculich.
TONYA STEVENS PURCHASED Some items, including a washer and dryer, were featured in 2014 by Conn's HomePlus, a Texas-based furniture retailer.
She said she had made many of her monthly payments, but sent them in later than the store wanted. Conns employees phoned her in the morning, noon, and evening, Stevens said, 49. "I got five to eleven calls a day," she said.
Stevens was pushed over the edge, she said as she took care of her dying grandmother. "I called her screaming and yelled," Let my grandmother bury me, "she said.
All in all, Conn's has called more than 1,800 times according to her lawyer.
"By default, our team follows all applicable laws and regulations and only calls customers with outstanding debt," said Ivette Faulkner, Conn's spokeswoman. "Once a payment is arranged, we will interrupt customer calls."