We've all got those calls at some point or another....the dreaded bill collector.  Do not let a collector verbally abuse or harass you.  It is illegal, and you have the law on your side. (The Fair Credit Reporting Act states that you can sue for $1000 in damages per violation when any part of The FCRA has been violated).  And as a side note, don't you yell, cuss and threaten them either. Keep your communication with them business-like and not personal.

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