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Hard times happen to everyone and sometimes the effects of these hard times leave dents on the finances of individuals and families. When people begin to fall behind on their bills, it may take a lot for them to get back up and this may lead to them being unable to settle their bills, leading them deeper and deeper into debt.
Creditors and businesses who are unable to recover debts after some time, send the delinquent accounts to third-party debt collectors or collection agencies. These debt collectors then begin the job of pursuing the debt by contacting the debtors and using everything in their power to try to persuade them to settle the debt.