Mrs. X: Can I speak to Mr. Smith. Mr. Smith: Hello Mrs. X, are you ready to give me your checking account information so we can set up the debits from your account? Mrs. X: Well, I spoke to my husband, and he does not want me giving our checking account information over the phone. Mr. Smith (Interrupting): You know Mrs. X, We have been more than patient with you. You need to pay this debt or your credit will be ruined. You made a promise to give me this information so we can make debits. If you don't provide the information now, I can't be responsible for what our legal department does. Mrs. X: We want to pay, but my husband said... Mr Smith (Interrupting again) Hold on for a few minutes Mrs. X (Placing her on hold). A few minutes later Mr. Smith returns: Mr Smith: Mrs X are you there? Mrs X: Yes, I'm here. Mr Smith: I had to place you on hold because our attorney was walking by and had some information for me. Mrs. X, are you working? Mrs. X: No, I watch the children, I am a housewife. Mr Smith: Well Mrs. X, I hope you can find a babysitter. Mrs. X: Why do I need a babysitter? Mr Smith: While you were on hold our attorney informed me that the sheriff has been dispatched to your home to arrest your husband for grand theft for not paying this debt. He will be kept in jail until you make a payment. Mrs. X: (Hysterical and crying) Why are you doing this to me? Mr Smith: I suggest you think about your husband sitting in jail and decide if you want to make arrangements with me right now and provide the information for your checking account. Me: Hello Mr Smith, this is Hal from big credit counseling agency, I have been listening to this call and am curious if you are aware that what you are saying to Mrs. X is not only a lie, but violates several of her rights under..... <Click> (Mr. Smith hangs up at this point) I spent the next 30 minutes consoling Mrs. X and assuring her that not only was he lying to her, but that there has not been a debtors prison in this country for a hundred years or so. I know others have heard outrageous threats and stories and thought I would share this one as it was the biggest load of bovine manure I have ever heard a collector try to lay on anyone.