My crew collects on a national bank's 3rd party overdraft check accounts. I have been working this particular account for a while to no avail. The debtor claimed that they disputed the balance and so wanted itemized statements. After getting statements I typically call the debtor before mailing it out to offer them a last chance to make arrangments. My policy is that if the balance is validated with proof from the client then the balance in full is due. I figure if they're going to make me go crawling to the client to prove their balance then they had better be damned ready to pay it off.
I called this debtor today to inform him that I had received his statements. Early on in the call he claims again that he is disputing the balance. I had the pleasure of detailing for him exactly how he had attempted to defraud the bank. For a period of two months this debtor had been making fraudulent deposits to the bank and spending the money before the bank caught on. It's a faily standard grift and no creative in the least. His only reply to these very serious allegations was simply this:
"Well, I was unemployed for three months."
I hate people.