So, I got this call from a company called Pioneer Credit at my workplace (issue number one...). A gentlemen named Mike tried to get me to verify my name, SS, DOB, etc. Then, he wanted to verify I was WORKING. Of course, being that I am at work, I said, you have reached the right person. I did not however, know what the call was about, since I had no clue what was going on. But, I was willing to find out and resolve it. The guy hung up and that was that.

Several hours later, I get the call on my cell phone. My husband answers trying to resolve the issue. Mike REFUSES to talk to him (i understand the reasons why, but once i gave my ok, Mike still refused to talk to him...weird). So, being that I was still working, I said, I don't have much time, what is this regarding? I was given the run around (never actually told why) and asked to verify my SS & DOB. Okay - Mike - I'm not stupid. I don't give that info unless you tell me WHY - which is a NORMAL way to react...Mike didn't get it...

I was like, please call me tomorrow or I can call you at 7:30 when I'm no longern working and I'd be glad to discuss the issue with you. Needless to say, I was hung up on (big surprise).

Several days go by, and I'm not called. I figured they had the wrong person. But, I was wrong. I receive a call at work (from a man whom refuses to identify himself - SURPRISE AGAIN). This person needs to verify my address at work to send a wage garnishment order. My co-worker and I both asked him what the call was regarding and if we could get more details. We were hung up on...Who didn't see that coming???

Two hours go by. Mike calls. I speak with him. He does identify himself, but ANGRY Mike now uses threats. He says, and I quote: 'Do you plan on resolving this issue? (my reply) 'Yes, but please call me after work on my cell phone. I cannot take these calls from work. You cannot call me here. You call me here, I get fired, you get no money.' Mike proceeds to tell me, 'We will take your lack of cooperation as your ok to proceed with the garnishment order.' And (big surprise) he hangs up on me.

So, at this point, I was LIVID.

But, I decided to be smart about it. My husband and I pooled together to reach an agreement with Pioneer Credit. First step, we called and refused to speak to Mike (which, needless to say, he was pissed about) and spoke to a lovely gentlemen Harvey. Harvey was VERY helpful. He made sure we were negotiated with PROPERLY and even apologized for Mike's dumbass, being a bully won't get you any dough, behavior.

PIONEER's tactics are not ethical in my opinion. Mike should be fired. But, even though I'm paying something that leaves me broke, at least I know, I'm not getting garnished and embarrassed at work anymore.

P.S. If you're reading this Mike, I'd like your home and cell numbers, so I can randomly call you at inconvenient times to yell at you and hang up rudely. You are not even worth the fart that I'd conjure up to leave on your voicemail to enjoy later...