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This Is Why We’re In A Recession, Part 60

| West Hartford, CT, USA | Money

(I work for an insurance company, and it is my job to meet with people to assess their life insurance needs. In order to do that we have to find out some background information about their personal financial situation. Today, I am at one potential client’s house doing just that.)

Me: “So now that we’re on the topic of debt, do you have any debt to speak of?”

Client: “Well, I have my mortgage, so that’s 350,000, and I have my car loan and student loans, so together that’s probably another 50,000.”

Me: “Is that all the debt you have?”

Client: “Yes. Well, besides my credit card debt and some I owe to the government.”

Me: “Oh, how much do you have in credit card debt?”

Client: “Well, between my husband and me, about 340,000 in credit card debt. But we don’t worry about that because we don’t pay the credit card companies any more.”

Me: *pausing to think of some way of explaining that you have to pay debt or risk going bankrupt* “So, you mean to tell me that you owe credit card companies over 300,000 dollars and you aren’t paying them anything?”

Client: “That’s what I just told you.”

Me: “Well, you can’t just not pay your debts. If you absolutely can’t, you can go bankrupt, but that will ruin your credit, and you won’t be able to buy that boat you were talking about buying, or finance any other major expense.”

Client: *completely irate* “HOW DARE YOU TELL ME WHAT I CAN’T DO! GO BACK TO YOUR HOLE, YOU… YOU… YOU GARGOYLE!”

Me: *taken aback by being called a gargoyle, but keeping my cool* “I think we might be done here. Have a nice day, ma’am.”

Client: “I’M GONNA CALL THE COPS!”

Me: “Goodbye, ma’am.”

Related:
This Is Why We’re In A Recession, Part 59
This Is Why We’re In A Recession, Part 58
This Is Why We’re In A Recession, Part 57

Not What They Claim To Be

| Adelaide, SA, Australia | Extra Stupid, Language & Words

Me: “Welcome to the [Insurance Company]. You’re speaking with [My Name].”

Caller: “Oh, hi. I don’t have my policy number or anything, but I have my name and address and I need to ask some questions.”

(Usually if they need to ask questions it’s for a claim.)

Me: “That’s fine. Is this for a claim?”

Caller: “Oh, no. It’s just a few questions about my policy.”

(I proceed to find her on the system.)

Me: “Okay, so this is for your home insurance policy. What can I help you with?”

Caller: “Okay. Well, a lil’ while ago a few tree limbs and branches fell on my house and I took out a claim and I wanted to know how it’s going?”

Me: “… Let me transfer you to claims.”