Make Credit Vultures Prove You Owe

In my last column I wrote about my Kafkaesque experience with a collection agency that was trying to shake me down for money I didn't owe. That didn't make me particularly happy, so I want to make life as hard as possible for these debt collectors.

I want to make them fight tooth and nail for every penny they pry out of their victims. I'm happy to help anyone who's being harassed by a collection agency, not out of the kindness of my heart, but because I now have a deep and abiding hatred for debt collectors.

In my last column I gave you some advice about what to do if a collector tries to intimidate you into paying a debt that isn't yours, but what if you believe you actually owe them money? ...