Let me preface this by saying I am sure most peopl...

Let me preface this by saying I am sure most people give debt collectors bad reviews. However, I had a small credit card debt from my younger, wilder days, which I am fully aware is my problem. I set up monthly payments with these people, and I have had to HOUND them for any information. You are lucky if they pick up the phone at all, so forget about them calling you back. Asked them to run my card to close my account, found out 5 days later they had set it up to run 5 DAYS LATER. Their inadequacy and poor communication has caused me to have to extend the closing date on my house over $180. They also sent a judgment to the local court days AFTER we had set up an agreement, which then negatively impacted my credit score, so now I have to do the legwork to fix their mistake. It is a shame when someone has to hunt down a creditor to pay them.