It's stressful enough getting calls from debt collectors for bills you actually owe. (consumer.ftc.gov)
For example, phone records were often important to my cases, and they are a lot better than memory when it comes to the dates and times of phone calls from debt collectors. (lawyerist.com)
At this point, you may begin receiving calls from debt collectors who may require you to pay high collection fees ranging anywhere from 18 - 40 percent of the loan balance. (studentloanhero.com)