 So, you know, saying this is going to affect your credit, your ability to do anything in the future, we're going to take your home, we're going to take your car, your future is over. Basically, I have found that debt collectors will play every dirty trick that they can to try to get you to give them some money. And it's just one extra layer of stress that when you're dealing with, you know, for me, my husband was in the ICU for a month.