Debt collectors are int the business of collecting unpaid debts, they are highly trained individuals.  Often times they resort to threats and intimidation, in order to get individuals to pay the debt.

They will do or say just about anything, they will verbally harass you until they can find your weakness and then use that weakness to coerce you into paying them.  A great deal of collectors completely ignore regulations designed to protect consumers from unfair debt collection practices.  Most consumers are not ware themselves of the rights afforded to them under the FDCPA “Federal Debt Collection Practices Act” and the FCRA “Federal Credit Reporting Act”.  It is far more profitable for a collection agency to ignore the rules, than it is to play by them.