Here are some bon mots uttered by real debt collectors the My Credit Group credit repair service has collected from their clients' stories.

"If you would pay your bill, I wouldn't have to violate your rights" - Cash Call

"I don't need to go to court. Pay me or I'll personally come take your house." - Cash Call

"You sleep with me and I wont repossess your car" - Repo Man

Never having the displeasure of hearing something like that on the phone is a good incentive to get out of debt and keep your accounts out of arrears. Cutting unnecessary expenses is a necessary first step. For example, if you're several thousand in the hole, and you're paying $100/month for cable, you're probably an idiot. — BEN POPKEN

Collectors Say The Darndest Things [My Credit Group]