I have a lot of debt on my credit cards.  It is tough
Oh, sorry to hear that. Do you have a plan to pay it off?
My debt has been bought off by a collection agency and they are constantly hounding me
Have you checked into whether there are laws that can protect you from excessive hounding?
provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.
People and entities covered by the FDCPA.
The FDCPA broadly defines a debt collector as "any person who uses any instrumentality of interstate commerce or the mails in any
enemy of George Miller but I thought that he tried to take credit for "Babe", tried to exclude me from any credit, and it made me very insecure... It was like your guru has told you that you are no good and that is really disconcerting."
Miller shot back, "Chris said something that is defamatory: that I took his name off the credits on internet sites, which is just absolutely untrue. You know, I'm sorry but I really have a lot more to do with