In the times that I have gone to a collection agency, I literally tell them to fuck off. Why? Because I don't want to deal with a collection agency and the fact that they are making a commission off collecting money from me, so they will make any shit up to get that money from me. I will go back to the company that I owe money to and tell them that I am going to pay them directly and not the collection agency. They then take my money, my credit is fine and the collection agency making empty threats got nothing except whatever the company pays them to handle all their collections. When was the last time you ran your credit? Your situation does not comport with the experiences of many other people.