My name is Byron. I've been dealing with debt collectors professionally for quite a few years. I am now retired, but the tactics that debt collectors use still bother me, and those collectors who buy DEAD DEBT for pennies and then hassle those that have gotten into financial trouble, bother me even more.

No one doesn't want to pay bills. Bills not being paid are because of lost jobs, medical bills, and other unforeseen circumstances. When that happens you must prioritize bill paying. House payment or rent, Car payments, food, heat and lights are all be more important than an old credit card bill.

After a certain period of time card companies charge off the debt. They get a tax break for a bad debt, which saves them billions.
     
If you charged off a debt it would be dead. Card companies sell these DEAD DEBTS to collection agencies for 3 cents on a dollar or less.
     
Keep in mind that these debts that collectors of DEAD DEBT are collecting are charged off debt. This is not a debt where you signed a contract with the collector, rather you
contracted with the credit card company.
     
Debt Collectors know how to bend or break the rules. They know how to harass, how to make a person feel guilty, how to install fear. Collectors of DEAD DEBT are taught to be aggressive. Some people don’t do well with aggressive collectors of DEAD DEBT, thus innocent people will generally pay more than they need to.
     
No more screening phone calls, no more broken promises, no more fear. Now you can have someone represent you at an affordable price that won’t be abused by debt collectors. How much is “peace of mind” really worth?

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