i'm reading this whining and complaining, I was a collector a few months ago and my agency got the pants sued by campos. I am not dropping any names because that is nobody's business, and due to campos's intervention the collection agency lost big. I quit soon thereafter when I realized how much of a lie credit is.
Try waking up and realizing that the banks are not your friends. If you only had enough sense in your brain to actually fathom that one simple fact, you will soon realize the gravity of the situation. Turn off your TV, stop talking to your creditors, and beef up on your reading comprehension skills.
Do you realize that bill collectors are trained professionals who are expert at getting into people's heads, all to break them down and extort money. Americans have forgotten about their rights, and banks have their crap shrouded in secrecy for a good reason. All to make it easier to rob you blind.
WAKE UP!!!
[and don't talk to your creditors]