1. Debt collectors are NOT under oath when they are talking to you. There are restrictions on what they can say, but exaggeration, saying what might happen if you do not pay, are allowed.
2. They are not trying to help you! They are not trying to work things out, come up with a plan...
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Top Ten Things You Need To Know About Debt Collectors
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Debt Collectors Exploit Facebook To Embarrass You To Friends And Family
November 17, 2010
Debt collectors can be relentless and downright rude on the phone, but now a St. Petersburg woman is filing suit alleging the company that financed her car loan began harassing family members over the social networking website Facebook.
Melanie Beacham...