No, but I'm a collector myself with 3 years experience and have seen first hand new collectors get suckered by debtors. There's a term out there called, "professional debtor". Literally, some people make it their way of life. Jack up bills, don't pay, sue collections, go to court and collect money, rinse and repeat. And now there's a whole federal board to back the consumer, that is funded purely on the winnings of sue cases against debt collectors.