QUOTE(EsotericSatire @ Aug 28 2013, 15:10)

These days here, more agencies are more reasonable and will be happy if you arrange a payment plan, however you still get the dodgy ones that threaten to screw your credit rating if you don't pay even if its not a real debt you owe.
I have Baycorp after me at the moment over an electric bill I "forgot" to pay when I switched service providers. They ring me, then ask for my details for privacy reasons, and I'm like "why do you want my details? I'm not giving you anything until you tell me who you are and what you want." that's pretty much checkmate for them, as they won't discuss my debt without my info. Sometimes I just hang up the phone.
If I get a snarky letter or threat from them telling me about how they're going to rape my credit rating, my reaction is something like:
[attachembed=29526]
You people already raped my credit rating when someone was stupid enough to approve my application for a credit card 10 years ago....
There's no credit rating left to destroy. I couldn't get finance on a fucking ham sandwich.