Caller: Jack Fulham

In Australia, your 'debt' is an 'asset' to anyone that wants to buy it. Debt collectors 'roll the dice' when buying debts from other financial institutions (Banks/Insurance etc) with a view to collecting it, legally (Buy low and collect it high, this is allowed under financial law). CREDIT CORP does NOT collect debts, only records them, so financial institutions can assess your credit worthiness. Debt collectors are akin to scavengers, looking for easy pickings and will inundate you with scary sounding terms to intimidate you into payment. IF you want your credit score (held be Credit Corp) to be trash then simply do not pay the debt, not ideal long term but..... Debt collectors can not force you to pay (e.g. certainly not physically arriving at your door... God I wish lol : ), unless they apply via court system. You can 'block' calls via your mobile if they bother you; expect dozens and dozens of attempts over years. If you are threatened physically, record and go to police or/and financial OMBUDSMAN. Good luck and... have fun with it guys ; )