This is a letter to Budd Hibbs, and all others out there who owe money.
Collection Agencies can be quite a bother. Their goal is to harrass you, and nag you into paying a bill that, I might add is more than likely rightly due. The occasional bill that is sent to a debtor by a agency may not actually be owed, however this is usually the exception to the rule.
Most Debts are sold to a collection agency after 6 months or more of non payment. By the time the debt is sold, the account is usually charged off by the original creditor.
Collection Agencies MUST take a hard line with the debtors, as they have either refused to pay, or have been unwilling or unable to make some kind of reasonable payment arrangements with the original creditor.
I have talked to people who owed thousands of dollars to creditors, and they were upset because the creditor refused to accept 20.00 a month to pay off a debt, claiming that is "all they can afford".
Ignoring a Collection Agency demands for funds, in some states can result in law suit's being filed, and your possessions seized, including your house, bank accounts, automobiles.
If you owe money, just pay the bill.
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