If you’ve been contacted by a Debt Collection agency, you may feel like it’s a battle between David and Goliath. After all, third party Debt Help agencies do wield enormous power. They can ruin your credit, making it more expensive for you to buy a home or borrow money (through being forced to pay higher interest rates), they can ruin your reputation (by contacting your friends, family, and coworkers), and they can ruin your peace of mind (by calling incessantly, or at all hours of the day or night). They can also ruin any semblance of financial stability, through using nefarious means to obtain legal judgments against you.