Understanding the debt collector mentality.

Coping with debt collection psychos

As many as one in 100 adults in the average workplace is a psychopath, according to the forthcoming "Snakes in Suits: When Psychopaths Go to Work" by Robert D. Hare, Ph.D., professor emeritus in psychology at the University of British Columbia in Vancouver, Canada, and Paul Babiak, Ph.D., a New York-based industrial-organizational psychologist. Not surprisingly, psychopaths comprise as much as a quarter of the prison population. They obviously comprise most of the debt collection agency work force. Their innate lust for thrills and lack of conscience can exact great damage on unsuspecting consumers.

If you are deeply in debt you are going to have to find a way to work with (or around) that person harassing you in order to hang onto your own sanity. It helps to cope when you know a little about what makes a debt collector tick.

Practical demon-keeping
Most debt collectors are psychopaths and know the difference between right and wrong, but they think it's amusing that you and I differentiate it. They don't see a separation between what's mine and what's yours; what I own is theirs. They don't see my ownership of property or even my life as something valuable that they need to respect.

According to psychiatrists, psychopaths share this laundry list of abnormalities:

* lack of remorse or empathy
* shallow emotions
* manipulativeness
* lying
* egocentricity
* glibness
* low frustration tolerance
* episodic relationships
* parasitic lifestyle
* persistent violation of social norms

Pedophiles and serial killers only represent the extreme end of the spectrum. Many psychos actually excel in the business environment, where charm and self-confidence easily mask their duplicitous nature.

Some debt collectors are high in personality aspects, meaning they had characteristic psychopathic features, but they weren't overly violent or antisocial. Which kind of makes sense because they have been successful in business. When they present antisocial behavior, it was dressing down someone in public or backstabbing behavior. Dr. Bob Hare calls them 'subcriminal psychopaths.'"

David L. Weiner, chairman and CEO of Marketing Support Inc., a Chicago-based brand agency, has even known a CEO or two who fit the characteristics he examines in his book, "Power Freaks."

He recalls one top exec who wore a bulletproof vest, kept a gun handy and disinherited his son with a one-paragraph letter because he was offended by something his erstwhile heir said. "You thought, talking to him, that you were in the asylum," Weiner recalls.

Weiner says a corporate culture that turns a blind eye to aggressive one-upmanship is a perfect breeding ground for psychopathic bullies. What better description fits debt collectors such as our freaky "Cartman" aka "Uncle Normie"

There are two ways to become a bully; either you're a psychopath or you mimic psychopathic traits. You have no feelings of shame or guilt; you're basically uninhibited. And you're a bit of sadist, so you're aggressive. You sort of get a high out of bullying people. That description obviously fits "Cartman" like a glove.

There's an important clinical difference between the psychopath and the garden-variety bully.

Studies indicate that bullies are actually inept people who are not talented, maybe have a rage against themselves that they express outward toward people they see as being better than they are. It's from a point of weakness that they express their violence toward others. They need the audience, yet once again perfectly describing our obviously psychopathic cartman and indeed most debt collectors.

The psychopath operates from a point of strength or self perceived strength. He or she is playing the game themselves and they don't need an audience. If you don't play, they will move on toward the next one. There is no investment in you as a piece on the chessboard, where with a bully, there is some sort of relationship there. In the instant case, the relationship is that I shed light on the escapades of the debt collection industry and the psychos who infest it. Normie hates that and does all that he can to discredit even if it means lies and extreme twisting of the truth.

A psychopath can easily convince you they're competent because they are very good liars.

Can a psychopath change his or her ways?

Yes, through some psychotherapy and anger management they can come to the point where they realize that the hurt they do to other people is not a nice thing. "But group therapy tends to make psychopaths better psychopaths because it gives them more behaviors to use to camouflage themselves."

Do psychos actually make it to the top? I would have to say yes because they can usually outwit, outplay and outlast everybody. Can the current psychopathic liar outlast and outwit anyone? No, of course not. Not even with the power of the "world's #1 ranked" blog to hypothetically lend some seeming modicum of sophistry to his rants.

So when you call him and his brethern crazy you are probably right on the money. In the instant case, cartman is proving it beyond a shadow of a doubt.

What on earth is this silly fool talking about anyway?

What is this silly fool raving about now?

For the truth you are supposed to go to his blog?

Martini? I'm the guy this maniac is hollering about and I have never had a Martini in my whole life and probably never will. I haven't even had a beer in more than 10 years.

All this boob wants to do is spam this group and get people to go to his blog which he can't even run properly yet has a little scrolling message at the bottom proclaiming that his is the world's #1 ranked blog. He is spamming every newsgroup and every egroup that will let him do it trying to get people to come to his funny blog so he can feed them more dreamed up stories about beastiality and other sick and depraved acts.

He and his scumbag buddies over at pcmholdings.com thought this movie was hilarious. But anybody who stops to think will immediately realize that the scene was not real but cleverly done using a movie editor and putting canned laughter at the end of it. Any graphic artist could put that movie together with a digital camera and a movie editing program in just a few minutes with no problem at all. One thing that gives it all away is how fast the baby is moving. Anybody who would put that together has got to be a sicko just like "Cartman" aka "Uncle Normie" aka "yada yada yada yada yada" and if you want to be exposed to more sicko lies then go visit pcmholdings.com and his sick manure spreader blog.

Reply	Recommend Message 2 in Discussion
From: Cartman Martini that early in the day...??....add alcohol abuse to his many offenses Creditwrench Billie Bauer takes the cake. For the truth..... www.creditwrench-thetruth.blogspot.com

Folks, Cartman is nothing but a scumbag debt collector gone bezerk and his postings prove that beyond any shadow of a doubt.

The opulent life style is great.

In a posting on the pcmholdings forum this morning one scumbag wrote the following:

Forum: Off Topic Discussions
Topic: Take your child to work day
Posted By: oscar

There's nothing wrong with this business. I woke up this morning, went into the backyard, turned up the heat in my swimming pool to 82 degrees, went back and forth from the jacuzzi to the pool a couple of times. Then I made a couple phone calls ...... Before I knew it, it was already 1:00pm. So what did I do? I threw 3 huge rib eyes on the grill. Of course, I could barely stay awake after that lunch, and with the ocean breeze blowing in my face, I was forced to take a quick 3 hour power nap. I love being able to do that when I want. I love this biz.

So what is wrong with living that way? Nothing at all, of course. As we all know, it is everyone's dream to live the good life and be able to afford the good things in life.

There is nothing wrong with it if you earned it by making or selling some product that is needed or desired by a sufficiently large segment of the population to provide that kind of income. There is nothing wrong with living the good life if you earned it by providing some useful service to a sufficiently large segment of the population to provide that kind of income.

But what if you earned that kind of income by abusing animals in some way such as using animals to test products or chemicals or slaughtering them to harvest their tusks or their ivory or their pelts? Would that be acceptable? Of course not.

What if you earned your money by doing something that is known and you knew to be harmful to the environment or needlessly exposing your employees to some extreme hazard such as high dosage rate nuclear radation or toxic fume of some sort?

What if you earned your money by constantly doing something you knew to be illegal but earned you millions of dollars with an extremely slight risk of ever being caught and even if you were caught the fine would be extremely small, say maybe a thousand dollars or so and no possibility of being sent to jail for your crimes? Would those kinds of actions be acceptable? They are to far too many.

What if the money you gained caused millions of people to live in poverty or near poverty or to be on the public dole, often not even able to afford the basic necessities of life? Would that be acceptable? Not really!

We all know that debt collection is a needed service in our society. We all know that it performs a valuable service to creditors who must be paid in order to be able to provide the merchandise and services that they provide. So there is nothing wrong with the business except the way it is usually carried out.

And so the question becomes one of what can we do to put an end to at least some of the worst of the current debt collection practices? The answer is really fairly simple even though it won't produce speedy results by any stretch of the imagination.
Government moves very slowly. But enough people screaming will produce a change in due time.

When we are abused we normally think of filing lawsuits, complaining to the FTC, the BBB or our state's Attorney General. Although it is recommended that in the event you are abused you do complain to those agencies it will do everyone a lot more good if you also call up your local legislative representatives and complain to them. Be prepared to tell them what you think is needed in the way of change.

Does your state have licensure laws for debt collectors in place? If not you should start asking your legislators to enact such legislation. This author thinks that debt collection licenses should have a point system in place just like we do for driver licenses. Run enough red lights and you lose your license. Get enough complaints for breaking your state's consumer protection laws and you lose your license to be in the debt collection business for a while if not forever.

Do not think that you don't have a voice in government because if enough of you call up your state legislators and complain about the same thing or same type of thing they will eventually act to cure the problem whatever it might be.