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It is important to understand that a Bill Collectors only purpose is to collect money from you. These collectors have a real bad reputation of harassing and threatening you into believing you are a criminal and you need to do exactly what they say or you will be in big trouble. The truth is they are only trying to improve the companies bottom line.
It is impossible for them to be civil about the money you owe, most of them are not compassionate people and do not understand they thing happen to all of us and sometimes we are a little late on a payment, it does not make us bad people, just human.
If you ever get calls from a bill collector make sure you know your legal rights. They are very known to call and threaten you with the line, "You are going to be sued if you do not pay your bill now," these companies usually will never spend the time to file a lawsuit against someone they know can not pay, and that the company will have a slim chance of recouping the expense of going to court and filing all the papers. The truth is they will say this to you because most people don't know any better.
A Bill Collector may also call you and say that they will garnish your wages if you do not pay them today. First thing to know is that for them to be able to do this they would have to have a judgement from the courts in their favor, but they will not go through this trouble unless they know that you have the assets to cover the expense they will incur.
Just remember not to get upset by their threats it is what they get paid for, but remember you have rights.
Author Source: Bryan Burbank
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