“Consumers unfortunately will cave and believe ‘I must owe this bill’ and they will pay it,” she says.
Instead Brown suggests first confirming that the collection agency is not a scam. Do that by contacting the original hospital or provider that billed you to confirm that the debt is yours. Also check with your insurance to make sure they shouldn’t be covering more of the bill.
The remainder of complaints—37 percent—was about harassment.
“Just overly aggressive behavior. Either threatening individuals on the phone or calling repeatedly. Sometimes they're calling family members, sometimes they're calling employers,” Brown says.
Being behind on your bills doesn’t mean you can be abused. Debt collectors can’t just do whatever they want to get you to pay.