I found an interesting link while surfing and reading discussion boards run by Collectors. It is regarding Associates Financial/Citi and recent charges filed against them by the FTC.http://ccr.faulknergray.com/hotpress/031401_3.htm
http://ccr.faulknergray.com http://www.creditguru.com A lot of older posts on both, but I thought some really gave good insight into the methods collector use.