I had some trouble with a company that claimed I owed them money. I didn’t! I have paid my bills faithfully. Basically, what happened was that I was sending checks. They cashed these checks and then, they lost track of the money. This shouldn’t even be my concern, but they started calling me several times a week and emailing about this fake debt.

I was able to get the check numbers for them, but the checks were from a credit union and I found out I can’t get the canceled checks to prove I’m right. I finally sent bank statements and circled the checks they had cashed. They continued to harass me.

I continued to tell them this was their bookkeeping issue, and not mine. I asked them to cease the annoying calls and to stop emailing me. That was great for a week. Only. Then, they started up again.

Finally, I put in a consumer complaint with the Attorney General (this DOES get action!) and also I wrote to the company telling them “I put in a complaint and will get my attorney involved.”

At this point I know enough attorneys that this is nearly true. I did not call any of them, though. A few days after I wrote to them saying this, a higherup supervisor from the company called me.

She was deeply apologetic and explained that they had lost the money and that I did not owe them anything, I am up to date.

Now….I have known people who bluffed in psych situations. Often, the “unit” claims the person is delusional that they have an attorney. Grandiose, of course. Unless you have a criminal case against you, they aren’t going to expect you to have representation. Bluffing also likely won’t work if they know you’re living on disability payments since they know you can’t afford to pay an attorney. You could say “My family hired one” or some such thing. The idea is not to go so far as to say the fake attorney is going to show up. You won’t swing that if he’s fake. But you could say, “My attorney says there’s a limit to how long you can keep me in this ER.” Or, “My attorney reminded me that legally, you cannot keep me in restraints as long as you did.”

Point is…bluffing will scare them. It really will. Today I told a company I was going to contact my credit card company if they did not communicate with me regarding some software I purchased. That, too, will scare the heck out of a merchant.

Recently, I was ghosted by a lender. They said they approved me, then, asked me to send paperwork. I did. Right away. Then, a few days later they said I hadn’t sent paperwork. I have emailed and called multiple times and I only get voicemail. They never communicated after that last email. Didn’t call. Nothing. If they are rejecting me, then they need to send communication about their decision. Ghosting is very irresponsible on the part of a professional. Likely what happened was that the loan officer quit suddenly and didn’t pass her work onto a coworker. Still….irresponsible. I went elsewhere.

Feedback and comments welcome!