Yes, I used to work for the dark side as a collection agent. As a former insider I know what pushes collectors into giving you the best deal. There are a few simple rules to playing the collector’s game, and you will always end up winning.
Collectors get paid on commission and are desperate to hit their numbers or they will lose their jobs. Where I worked I used to get 20 percent commission, but I had to collect almost $17,000 in gross dollars before even hitting commission. The credit card company took almost half of every dollar the agency brought in. I had to collect four times my base salary in order to overcome that threshold.
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