This might be a surprise to you but a collection agency or bill collector can legally contact your job, neighbors or family members to get in contact with you about a debt.

They can't disclose details about the debt, but they have their ways of getting the point across in an attempt to embarrass you.

These types of tactics are used when the collectors find out that you have very little money to hire an attorney to represent you.

You can win but you have to understand the game that's being played. First you must understand that they may make it sound like they are only after you and they have pointed all of their resources and power to get you.

Regardless of what you might think and what they might tell you, you're just another number in the system.

They have a goal. The goal is to get people making settlements and payments. They don't have the time to sit on the phone and argue with someone that doesn't have any money.

Their job is to scare you enough to hopefully find out if you have the money or not. A good friend of mine name Don (his real name)had gastric bypass surgery to lose weight. He lost about 125 pounds in a very short period of time. But he also had some very bad complications.

Later after some test his doctor found out that he had got an infection from an object (a small piece of cloth)that was left inside of him during surgery. He had surgery to get the piece of cloth out and he thought the hospital would take care of the bill.

Well long story short, they sent him a bill. He tried to fight it and the hospital sent it to a collection agency. Don was not the type of person to not pay his bills and he was afraid every time the collection agency called him. Soon after he asked my advice on what he should do.

He stated that they would call his house on a daily basis. They called his business on a daily basis. I first reassured him that he was still a number and that they were just trying to find out what he would fall for. They offered him $1,000 payments for 50 months. I told him to reject that simply on the basis that he was having his lawyer dispute the charges for a mistake the hospital made.

I did tell him that he should figure out what his lawyer would charge him and offer that to the collection agency as a settlement as a quick settlement. You might be asking why if it was the doctor’s fault. You see they were going to fast track the legal process for this matter. The collection agency knew it was going to take at least a year of going back and forth to court with the hospital over the mistake.

But the process for the collection lawsuit would only take a few months if that. But this is their game. They wanted to get what they could while the ball was in their court and if Don won the case later the hospital would still have to pay them for their time.

They don't give a damn about the law! If they did they wouldn't collect much money.

My advice to you and I'm speaking from personal experience, start your financial life over and forget about what people may think.