When you see a name or a series of surnames each more difficult to pronounce than the other, you're most likely dealing with attorney's who are in the business of running a collection business. Debt buyers generally don't put their names on the shingle. This would probably be to avoid the random disgruntled neighbor from toilet papering their trees or putting Krazy glue in every keyhole on every door of the guys house. Maybe it isn't because of that at all and my mind just wanders to the irrelevant juvenile delinquencies, were not sure so lets move on. Professional Associations not withstanding, most collection agencies are owned by attorneys and most debt buying enterprises are run by your average businessperson. Each has to adhere to the law but from a negotiations standpoint it is far easier to haggle with a debt buyer than a collection agency, since most are contracted directly to recover and don't like to get the reputation for "softness".

One should always know that they can contact any collector and speak with them, there is absolutely nothing to fear. Their reputation is worst than they are in reality and that's because back in the old days they'd call your boss or family, they'd go out of their way to hire guttersnipes to work the phones and drive you insane. Besides no one likes to be reminded that they owe at the dinner table, it's annoying. The good is that any consumer can opt out of those calls by simply saying they don't want to get called again.

If you're one of the few people who still gets collection agencies or debt buyers calling your boss or family and harassing them, you may have legal grounds to sue their asses for violating the FDCPA or at the very least report their asses to the agency that takes such violations seriously. Either option has a stunning effect and at the least they'll leave you off the call log.