Collection agencies pursuing debts
on behalf of a creditor employ a number of methods to get their client paid, including letters and even lawsuits that may lead to asset seizure or wage garnishments.
Not with standing any agreement to the contrary between a debtor and a
creditor, any charges made or incurred by a collection agency or incurred or made by a
creditor in
employing a collection agency or agent to collect the debt shall be deemed not to be a part
of the amount owing by the debtor and shall not be recoverable by the
creditor or by the collection agency or agent acting
on behalf of the
creditor..