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Topic: OT, personal rant and looking for a pity party

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Subject: OT, personal rant and looking for a pity party
Date Posted: 12/28/2011 9:20 PM ET
Member Since: 7/15/2008
Posts: 4,035
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I don't dare put this on FB in real life so forgive me for ranting here.

Bad debt customer from several years ago. HUGE, like 20K and it is one of those wait for him to try to sell his house (which will never happen) or wait for him to draw a paycheck somewhere that we can garnish. All the sales guys know this they've been told not to refund money on his material returns. So not only do I notice he's charging on another customers account for MONTHS and only by the grace of God of a careless sales person who put the deadbeat's name in the job name field  (which = he's probably working for them = I could garnish his damned paycheck and no one freaking bothered to raise their hand and say - does anyone care to know about this), they've handed him more damned cash back for material returns.

*head desk*

Date Posted: 12/28/2011 10:01 PM ET
Member Since: 3/14/2009
Posts: 9,174
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I don't envy you this position.  Just deleted most of what I said, because, I had to re-read what you said. 

Are you saying people from your company are letting this happen?



Last Edited on: 12/28/11 10:12 PM ET - Total times edited: 2
Date Posted: 12/28/2011 10:14 PM ET
Member Since: 7/15/2008
Posts: 4,035
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You wouldn't believe the crap stories I've heard. My favorite is stil the $20K sent to papa in Poland before he filed bankruptcy, plus the re-fi'd and spent all the money and still the trustee let the damn thing go through.

Gah!

PS, you should see the war stories we credit managers swap when we get together. Those contractors are just full of ideas, yes they are angry

Date Posted: 12/29/2011 9:25 AM ET
Member Since: 12/10/2005
Posts: 2,851
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So, Mr. Bad Debt is charging against an unknowing customer's account and then returning items for full refund. Wouldn't the refund go to the customer's account? Or are you saying the sales clerk's are giving him cash in return, in which case the charge stays on the unknowing customer's account?

I'm curious because I do a fair amount of asset searching - not generally for debt collection, but for pre-litigation, collection on a judgment or validating a deal. I'm always interested in new tricks concerning how people attempt to hide what they have.

Date Posted: 12/29/2011 9:35 AM ET
Member Since: 7/22/2009
Posts: 2,617
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I'll come to your pity party -- should I bring wine and chocolate?
Date Posted: 12/29/2011 10:21 AM ET
Member Since: 7/15/2008
Posts: 4,035
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@ Deb, yes wine and chocolate please.

@Genie, he's purchased some via cash sale and that's what they handed back the money for. He's also charging on another customer's account, I assume he's either working for them as a sub and/or he's drawing a paycheck. The lads at the sales counter should have 1) called to make sure he's authorized to purchase on their account and 2) called and said Cathy, do you know Dave is working again?

I sincerely hope he's drawing a paycheck. Garnishment is so much easier.

Did I tell ya all before he went south on us he took a big trip to Hawaii and got his wife a Rolex for Christmas? Then when he tanked (we even offered him a note) I'd heard he'd sold some of his equipment. You wouldn't believe the potty mouth I got from him for the NERVE of asking him what he did with our the money.

Contractors are a funny breed. They just do not comprehend how the supplier feels when they don't pay you on time (we have had some benefit take aways), then drive up in a fancy new rig or take the whole family on a nice expensive trip with our money.

Then there was the guy who sent $20K to papa in Poland, re-fied his house (spent all the money) and then declared bankruptcy. And they got away with it...

Date Posted: 12/29/2011 9:14 PM ET
Member Since: 1/24/2009
Posts: 9,496
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Cathy - is there some type of legal criminal action you can take other than just garnishment.  Obviously there is serious fraud going on.  I would consider looking at that.

My heart feels for you........these situations just are no good all the way around.

Date Posted: 12/30/2011 7:53 AM ET
Member Since: 7/15/2008
Posts: 4,035
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Lori, nope. Business debt can be challenging at times. You get your judgment. You get the contractor bond when you can. You lien any property you can. And since property doesn't sell much these days you wait...

You can spend lots of money for the attorney to haul his a** into a debtor's exam (I hear sometimes it's worth it for the entertainment value). You can drive them into bankruptcy and lose any hope for collecting. They shut one company down and talk the girlfriend/whatever into starting another.