Look, nobody likes collection agencies, but they s...

Look, nobody likes collection agencies, but they serve a useful purpose, and the world is full of cowardly and negligent people who don't man up to their debts and the occasional physical damage they sometimes do. Most of the 1-star ratings below are whines from these type of people. I love these comments like "I didn't know my insurance lapsed" Seriously? Grow up. I pay my taxes, make sure my insurance is up to date, don't get on the road unless all my licenses and tags are in order, and I DON'T CAUSE ACCIDENTS. If you don't live your life like this, the world will eventually sic agencies like this on you. Surprise! In my case, I was sitting at a dead stop at a red light, when an uninsured Russian driver who was texting drove right into the back of me without any braking action whatsoever. My insurance company was out $15,000, and I was out the $500 deductible. The uninsured driver promised everyone in sight he would pay at the scene, even gave hugs to everybody, then went off the grid and ducked all calls and mailings from my insurance company to try and recover costs for the next 8 weeks. After 8 weeks, my insurance company handed the case over to Wilber & Associates, and I wish these guys all the luck in the world. I hope they hound these people 24 hours a day, get the guy's license suspended, and use any other tool in their arsenal. Live your life responsibly, and crap like this won't happen to you. If they're calling you, then you DID SOMETHING WRONG. So, man up - and fix it!