Debt collection is the following up payments of unpaid debts by companies or individuals. An agency that specializes in debt collection may be called a debt collector or collection agency. They collect outstanding debts from people or organizations who do not pay their bills on time. They do not hold any legal responsibility to the paying individual or company but if they are unsuccessful in getting payment from the debtor, they may sue to recover the outstanding debt from them. You may want to check out First Capitol Collections for more.
A number of debt collection agencies exist, and some are better than others. For example a person may find a great debt collection agency but it will not help them very much as they are not experienced in dealing with debt collection agencies. So when trying to locate an agency that suits your needs best, it is important to research well so that you get one that suits your preferences. You can look online for various debt collection agencies that deal with the same kind of consumer that you are dealing with. You will need to contact them and discuss your case with them in order to get the desired services from them.
If you feel that the debt collection agent is harassing you then you have the right to tell the debt collector to stop contacting you. In most states a debt collection agent can be instructed to stop contacting a client once he or she has informed the debt collector that they have been contacted to look for services. However, if after you inform the debt collectors that you will be sending a law suit against them if they continue to harass you then they are required to stop contacting you. They must also abide by the law if they wish to continue doing business in that state.