[header] How to beat a collection agency at their own game [title] Know that you do not have to talk to them. [step] Think of those nasty collection agencies as little barking dogs: noisy and nothing to be afraid of. The reason they are calling is to get money out of you the debtor because it is unsecured. 
That is there is no collateral behind the debt unlike a car loan or a mortgage. Remember that when a collection agency calls and gets' tough' on you.