Getting an unexpected phone call from your debt collector is always an awful experience. No matter what your condition is, sooner or later you might have to deal with a collection agency. As a creditor, when you do not receive pending money from your debtor for a longer period of time, you’ll definitely look for another affiliate company to collect that overdue amount. At the moment, collection companies are at the bottom of the barrel when it comes to managing businesses as all they think about is, ‘HARD-CASH’.