Ok, I'm not really scared, although the people calling me are trying their best.. More concerned. A little history, I lost my job and was unemployed for a while. I had a bunch of credit cards and was living beyond my means even when I was working, so of course, long story short I've fallen into a hole. I had my first conversation with a collection agency today. I can't believe how rude these guys are. He kept badgering me, telling me I need to pay today.. I'm in breach of contract.. threatening to get my mother on the phone (no, I'm not a minor!).. asking for the name of my lawyer...

Google caller ID Spoof. Some collectors use this. They might spoof a number on your cell phone from home, etc. in order to get to you. Buy a caller ID spoof, they are rather in expensive cards online. Call up the collector and make it appear that you are calling from withing the same office. LOL. Remember you are always dealing with what is not much more than high school students here. Tell them you'd like to come round and talk it over personally.

Here is a good one that sums up exactly the kind of companies you end up dealing with as well as the kind of shady people in their employ. I apologize for any spelling\gram errors, this is a little long, and the point is more important. I, in lack of my better judgement, and certainly never again, took out a small loan with ameriloan for $300. The process for getting the money was a little too easy and I can understand how people get into so much trouble. I lost my job about a week after I took out the loan, and you know where this is going from here.