Let me be real for a minute if you'll hear me out:...

Let me be real for a minute if you'll hear me out: I know some people will disagree with me. You owe someone money whether it be a medical bill, a loan, or whatever else someone gave you without you having to pay in full, and you don't pay the bill. After a certain amount of time the place that you got the loan or item from gives up trying to get you to pay. They sell over the account to a collection agency which is more equipped to collect debts. Yes, they call you at work, yes they spoof the number to make it look local, and yes they call family members. Why? It is because you don't communicate with them. Point blank, if you owe money you owe money. If you don't want them to call you, tell them. Here is the point I am getting at. This debt collection company, Atlantic Recovery Solutions, called my father yesterday. They have called my cell, spoofed their number numerous times, and called my job. I never answered. I wasn't able to call so I emailed them and got an immediate response from Patricia Smith who informed me that they would not contact my family members anymore. It was that easy. I corresponded with her and set up payment arrangements to pay MY debt. I borrowed the money, I flaked and didn't pay, and I owe it. I had a wake up call (no pun intended) and realized that if you just communicate these debt collectors are not monsters like we make them out to be. Sure they tag on extra fees and all of the other negative things that you see, but you wouldn't even be in their system had you paid your bill from the original creditor. I've owned up to my debt, and I'm not saying all debt collection agencies are good- I don't know enough. I just know that this one worked with me, corresponded quickly, Mrs. Smith was so friendly and worked with me, and now there is a huge weight off my shoulders. All you have to do is talk to them. Sorry for the long rant.