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Here is the deal, you deserve the call if you are late w/ a payment, it isn't a telemarketer, it is a collection agency, so pay your bills on time.
Certainly do not be rude with the collector b/c he/she has you by the b**ls.
Telemarketers are a bit rude, but if you nicely say no thank you, please take me off your list, they are usually nice back to you.
Don't ask a collector to be added to the do-not-call list, they will laugh at you. Also, if you are getting calls from collectors, don't act high and mighty if you sent the check last week, they wouldn't be calling if you weren't 30 days late before you sent the check.
Just some cold-hard-facts. I have never been in the business, but I cannot stand it when my friends complain about collectors calling them, it IS your problem, you OWE them money.
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