"Ignore Ignore Ignore." Wrong advice. It is much better to make them adhere to the letter of the law,and then when they violate the law, to sue them. If more and more people would do that, their profit margin would go to 0 and they would be out of business (also filing complaints at the proper agencies helps a lot also).
Although it is illegal to take money from your checking account without a judgment and proper procedures, they have done this. I have had this happen, due to monies owed by my husband, over 10 year ago. I have a legal background and know my rights and states rights. I retained my attorney, and it still took months to get the money back. I was not able to sue them, because they did return the money to my account; even after they emptied my checking account, causing over draft fees, at Christmas time. These collection agencies are scumbags and rarely follow the ethical and/or legal ways of maintaining the money (its a financial bounty hunter)