If you've ever had one of these outfits come after you, thie may make you feel good someone is doing something, albiet too late for the man involved: http://www.walletpop.com/blog/2009/09/17/did-collection-calls-contribute-to-floridians-death/ My family had two experiences in the past few years. One for a past due medical bill that our medical provider told us we could pay $50 monthly on and were, but we got turned into an agency. The first day we were contacted this woman called three times. I wound up screaming at her. The second was for some alleged old unpaid balance on a credit card neither of us ever recalled having. I wound up telling them to go to hell and sue us, nothing more heard. These agencies have their place, but I cannot imagine doing that for a living.