I know I sound like a broken record at times… But, the bottom line is debt collectors are bottom feeders.  They prey on consumers, they take default judgments in debt collection actions (oftentimes on debts that are either too old to collect legally, or debts that don’t belong to the consumer)

Debt collection in the United States is BIG business.  To the tune of about 40 billion, that’s right – with a “B”, dollars a year!  There are statistics which show that over 73% of people in America have been called by a debt collector; that is 3 out of every 4 people!

Some of the findings in the article are that people who make between 15,000-40,000 are the most likely to be sued.  The debt collectors always have attorneys, the defendant (ie. the debtor) usually does not have an attorney.  That makes sense for the debt collectors, they can make an old debt new again and garnish wages at the same time… The debtor who can least afford an attorney gets backed into a corner and can’t defend themselves.

Have a look at the article linked below.  This is a nice article from ProPublica.org which really shines a harsh light on some of the tactics and traits of debt buyers and collection agencies.


If you have debt and are being harassed or sued, Call me, Attorney Ed Edwards.  I’d like to help.  There are many avenues open to you if you find yourself in the position of being sued by a debt collector.  And remember, your initial consultation is always free!