After reading in this forum about the horrible, vicious, and illegal pratices of collection agencies I did a 10 minute research of same and came across some amazing facts. The same "bottom feeders" that people complain about is on a list of over 200 CA's that routinely cause havoc for the consumer. Please visit the website budhibbs.com and you'll walk away shaking your head asking "how do they get away with it". A full scale "counter attack" is in order.