They lie to They attcst you in great numbers. They give iformation to people with whom you have know idea who they are  they ruin your credit because as you know every time they check your score go down and if you don't check the credit buroa .And  when you do get around to it there all over your report.And the college students get out of school they are hit with these bills before most of them can even get a job.And not only they tack on 20 to 100 times as much.So they harsae you all times of day  and if you know the law this agiast the law but they seem to get away with it we want thie to stop .And the Bank Can stip them by not selling them the paper. and collecting them there self when people lose there jobs all they  have do is charge them $5,$10,$20 a mo. I have seen it done My mother boss was good at this  the people he worked with never lose there credit standing and they had  better repore with the bank and the person they deal with a better way we don't need the collection angencys of world lets get rid of them.