I can see both sides of this story, and I'm quite sure collection agencies break the rules, and they deserve to get called on it.<p>But... "I don't have to do anything but stay black and die."  That sort of behavior is where I draw the line.  You made the bad calls, you got into debt, pay your damn debts.   And sue the collectors too if you like, but that they are doing wrong things doesn't obviate your responsibilities.