Why Debt Shouldn’t Be Sold to Collection Agencies — And How Citizens Can Fight Back
In today’s financial system, when you fall behind on your bills—whether it’s a credit card, medical bill, or loan—the company you originally owed the money to can legally sell your debt to a third-party collection agency. That agency, which you never agreed to do business with, now owns your debt and has the power to contact you, demand payment, and even sue you. This system is deeply flawed and unfair. It's time we rethink and reform it. Why Selling Debt to Collection Agencies Is Wrong You Never Agreed to Do Business With Them When you signed a contract or agreement, it was with the original lender, service provider, or company—not a collection agency. Transferring that debt to a third party is essentially forcing you into a business relationship without your consent. Collection Agencies Often Use Aggressive or Abusive Tactics Many debt collectors resort to harassment, threats, and intimidation to collect payments. Some don’t even have accurate records, leading to peop...