Some of these people are in so much trouble owing money
It gets tiresome but I love to help. Collection agencies buy each other out, add their pro rated interest fee and by the time they try to collect from an individual the amount is alrrady 75 or +++++ % more then they borrowed. I have been through this, through no fault of my own and fought them through, telling each in turn to go jump in the lake only after they got abusive. It was 'if you don't pay, and you already have good credit which we can destroy', we will make your life completely miserable. And then it was, if we only knew whose name the house was in we can take that, your car, your furniture (I am not kidding). I said, F****k you. And it worked. And I am not that kind of person but when my livelyhood is threatened then I fight back. Plus I have a good lawyer who knows my family well.
I still have good credit, own my house, my car and everything in it and happily employed over 65.
So, guys, if you here any of this from me, please don't judge. I have been there.
Off another soapbox.