This one sided better than everyone else reporter, forgot to mention that these people who are being so called “scammed”, made a promise to pay for some thing they got on credit and didn’t pay for. The creditors are the ones that get scammed. I’ve been in collections before I deserved it because I didn’t pay my bill. That’s what you get when you fail to keep a promise. I do not agree with the collections tactics that some companies use. Kind of like I don’t agree with this article written by a freelance reporter that obviously needs a job and can’t pay his bills. If you don’t like being in collections, do what it takes to pay your bills. If you want to get rid of the collections industry in this country, pay your bills. Then the only people that will be getting called by collectors will be out of work collectors and freelance reports like A.G. Gancarski.