No matter how good you are, someone is always going to be against you. BUT never let them be the Limit of YOUR success!! Excellent Business establishment!
This is crazy!! You OWE it or you don't!! Chances are... You DO!!!!! So..... Stop whining and trying to play Attorney! Half of this "advice" is incomplete!!! This Business, and others like it would be shut down if they operated as you ALL claim they do! Just another disgruntled consumer that can't take responsibility for their actions.
And you're just another disgruntled shill who is upset that your victims, er, customers are getting wise to your scam. How about you take responsibility for your actions - follow the FDCPA or else you are owed nothing.