404: Dog Food Not Found

Kankakee bill-collector Sybil Kibble loves the taste of dog food so much, she eats it on her breaks and for supper.

Because of the shipping delays, Sybil cannot find her beloved Alpo online to buy.

Frustrated with repeated bouts with the Spinning Cheerio of Death, she opts for Brand X instead.

Top ten ways to annoy a bill collector 

Has Credit Recovery Associates (CRASS) been interrupting your dinner? Try these lines on the callers (please do not tell Sybil Kibble).

Image: black and white cartoon of 60-something bill collector with long hair, wearing glasses. A box of dog treats can be seen in he background next to her computer.
Sybil Kibble is CRASS.

10. Rickroll them over the phone.

9. Tell the caller that they make you feel like dancin’ every time they call, then hang up.

8. Ask the caller if he or she would like to take a survey. 

7. When the collector tried to increase your payment amount, tell him or her you will go double or nothing, depending on whether or not you win the lottery jackpot.

6. Tell the collector to “please hold for the next representative.” Bonus points if you hum some on-hold music.

5. Tell them you cannot pay because you just got butt implants and they were really expensive.

4. Ask them if they accept pennies.

3. Reply as if you were reading from a script.

2. Play a commercial for a local car dealer or furniture store over the phone.

1. Tell them you will pay in full, then hang up right before they go to collect your payment information.

Image: black-and-white cartoon of a male bill collector at work.
Dale Davis doubles down on debt.

Checkmate

“We Are CRASS” is the corporate slogan for Kankakee debt-collection firm Credit Recovery Associates (CRASS), LLC.

CRASS CEO Mack E. Avelli loves to find new ways to make money for the company. Because he is running out of fresh ideas, he decides to hold a meeting with the entire staff.

“Anything to get some time off the phones, eh?” Dale Davis giggles to Linda Stay, as they walk into the room. Sybil is seated in front with a cheesy grin on her face. Art Director and Sybil Kibble’s number-one crush Dorian James is slumped in the very back row, hand running through his wavy, auburn hair. Sybil stares at her crush, who has made it clear to her many times he is not interested, and prefers the company of men. Accounts Receivable Chief Tara Bull is seated upright and uptight near Lead Debt Collector Sybil Kibble. Mikey Philips works his way into the room, along with Konrad Teirant, who is tired from having to resolve a conflict last night at his megaplex.

Mr. Avelli makes his presence in the room and the chatter subsides, eyes on the CEO.

Mack E. Avelli

“Good morning. It is 11:00. We have an hour to come up with the best ways to maximize revenue for our facility. The most creative ideas will be chosen. Give me your best and brightest ways to bring more income to our company. Who will go first?”

Sybil’s arm darts up.

“Anyone?”

“I’ve got an idea,” Sybil exclaims.

“We can advertise,” Dale suggests.

“Not a bad idea. Advertising takes out of our bottom line and can take away from our profits if it does not provide a return on investment. Who else has an idea?”

“Oohh, oooh!” Sybil gasps as she gets more excited about her idea.

“We can go on the news and talk about our services. Some companies use a public relations firm to pitch advertising stories as news. It might be a lot cheaper than advertising.” Tara Bull mentions.

“That is considered yellow journalism and thus unethical…not a bad idea. I will consider it.”

“Pick me, pick me!”

“Yes, Sybil…” Mack sighs to Ms. Kibble.

“I have an idea that will certainly make us money! Since we are debt collectors and we mail people collections letters that people just throw out, why don’t we disguise the Dunning letters as checks and people will open them instead!”

“That’s brilliant! Why didn’t I think of that before?” Mack E. Avelli boasts as he thanks Sybil for her idea.

The letters, which were designed by the CRASS Art Department have been mailed out to the debtors.

Calls come in, but not the ones Sybil was expecting.

“Hi Sybil? Yes, I’d like to order a pizza.”

“Is this Credit Recovery? I heard you were offering me some money! I am sure broke and can use it!”

“I like blondes. Are you single?”

Unbeknownst to Sybil, her name and photo were used on the letters! Leave it to her rival and crush, Dorian James, to pull a fancy trick like that.

Maybe disguising collections letters as checks is not such a great idea, after all.

Sybil goes home and drowns her troubles in a big bowl of Alpo.

I Wanna Speak To The Manager

“We need to increase our bottom line,” CRASS CEO Mack E. Avelli tells his entire staff in the board room.

“Size matters.”

Laughter fills the entire room.

“Our budget is only so big and we need to increase our revenue to exceed expenses. We could only give so much to the Optimal Club last year and we had to shortchange the Kankakee Medicine Pronouncing Competition, even though we had already committed. We need good ideas, only the best.

Dale raises his hand.

“I know. I have a really good idea. How about we do things the Dale way this year…”

Mr. Avelli sighs.

“No just listen up. I’m worth your time. How about we spend less money on charity? That way we will have more money for the things we need. It all makes sense. We can do things the way we have been doing them, or we can do things the Dale way.”

“That’s enough Dale. We need to look good for the community. Image is everything. Who will go next?”

“Maybe we can hire more people to cut back on overtime? I am swamped with purchase requests!” Linda Stay says.

“Nice idea, but work faster,” Mr. Avelli snarks.

Sybil raises her hand.

“Sybil Kibble! What is YOUR grand idea?”

“I know. How about we call up and say we are “Kristy” from Management. Ask the debtor to call us back. We have no Kristy working here. Block caller ID so the suckers will not know it is us!”

“Great idea Sybil! Change all scripts immediately and don’t forget to double down on every call, everybody!”

The collectors get to work.

Calls come in.

“I would like to talk to Crispy?”

“Crisco called. Hahahaha.”

“Is the Cisco kid? My router is stuck. Can you fix it?

“Yeah I hear I won a free trip to Frisco. When do I go?”

More calls roll in.

“Yeah I heard a manager called me. I wanna speak to the manager. This is Karen.”

Team Leader Sybil Kibble cannot keep up with the call volume. The Collections Representatives keep transferring all their calls to her because they keep asking for a manager. After all, the messages stated a manager called for them! 

The phone system shuts down due to Denial of Service, in other words a system overload.

“What are we going to do?” CRASS CEO Mack E. Avelli asks Sybil Kibble in her office.

“Act more ethically next time?”

They share a laugh.”

“Carrier pigeons,” Mr. Avelli smirks.

It is CRASS business as usual.

CRASS Collectors Double Down Coffees.

Dale Davis Doubles Down on Debt

Kankakee debt collection firm Credit Recovery Associates (CRASS) partnered with drugstore chain Wally Green’s to offer coffees to all collectors who doubled down on debt. Never settling for less, CRASS collectors ask creditors for twice they can afford. As a reward, drugstore owner, wacky inventor and wannabe ladies’ man Wally Green gave all collectors who made their Double-Down quota one cup of coffee Buy One Get One Half Off (But Never Free).

Isn’t Wally generous? He thinks so.

Moron of the Week – Dubious Bill Collectors

What a CRASS idea!

Some Moran (yes that is their name) thought it might be a good idea to make it legal for bill collectors like the fictional Sybil Kibble text your phones to beg for money. Even if the debt is not really owed; since medical bills are notoriously incorrectly billed, these morons think they can spam your phone.

https://www.cbsnews.com/news/debt-collectors-unlimited-text-email-messages-consumer-financial-protection-bureau/

Oh and people have been thrown in jail over medical debt.

Nobody should do time because they have medical debt.

Here is a better idea for all you who hire those CRASS, LLC wannabes: How about asking the customer if they have additional insurance? Or and here is another no-brainer: how about billing primary and secondary insurances in the order the patient specified? Don’t know which goes first? I dunno, maybe try asking the patient. They just might tell you. Duh.

For choosing greed over empathy, I award these bill collectors and those who hire them Moron of the Week.