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Most collection agents are slime. Scaring people into paying is part of their job.
Most bounty hunters are assholes, too, doesn't mean they don't provide a benefit to society. In both professions, there can be bad apples that go to far.
Why are you not putting the blame where it lies - on the people who borrowed money, and didn't pay it back? Don't borrow unless you know for 100% fact you can pay it back without delay..
You are assuming that all debts claimed by a collection agency are valid. This is simply not the case. They make mistakes all the time. I personally had the experience of checking my credit report to find a debt that I had already paid was now being pursued by another collection agency. I had to send them a copy of the canceled check and check my report again to make sure the item was off. I believe it was an honest mistake on their part, but point is, collection agencies are wrong all the time.
I also have a collection out for a $50 alltel bill (now owned by verizon) that I do not owe. I disconnected my phone 3 days after the billing rollover date, and they told me on the phone since I hadn't used the phone in those 3 days, I should not be billed for that month, but if I was, to call them and they would remove the charge. I was billed, they acted like they didn't know what I was talking about when I called them back, and now they have assigned the debt to collection. I don't pay debts I don't owe.
But I guess you would - since the corporation is always right in your world.
Fact is, YOU TOOK CARE OF IT. If it's not your bill, fine - take care of it. If it IS your bill, don't just sit on your ass waiting for it to go away
You're comparing apples to oranges.
Oh, and don't waste your time trying to put words in my mouth about corporations when I specifically said no such thing even remotely close. It simply makes you look small and petty.