I agree. People need to be educated on these matters. That's the only way junk debt buyers stay in business, people being unaware of the law and their rights. Yes, what they do is legal, for now. But it really reminds me of the huge junk bond and penny stock industry in the 1980s, it all came crashing down, and many went to jail. When the government finally does notice the junk debt industry, we'll see all sorts of extortion, fraud and tax xharges, as well as charges with violations of the RICO Act.