When you do not pay your bills on time, your creditors go to credit agencies that are run by local collection law attorneys. These attorneys use whatever tactics they can to get you to pay your debt. Their collection tactics include calling you night and day and leaving messages on your answering machine. They can call you whenever and say whatever they want. They use phones that are non traceable by police departments. They can send your name and whatever information they have or have made up to government agencies that will put your name on a flyer and post you as writing checks that bounce or as being wanted for not paying your bill. If you think that you can go to court to seek redress for your wronged name, think again. Local collection law attorneys have more weight in the court hierarchy than many judges do. They will ask a judge for a court ordered injunction in order to get you to pay them whatever they say you owe. Even if you prove your innocence you will be asked to pay any accumulated interest and lawyer fees. There is very little that you can do once you are on a collection agency's list. Here is what you can do. You can consult with a bankruptcy lawyer. You can cancel all of your credit cards. You can find a bank that does not allow local collection law attorneys to access your private banking information like deposits, withdrawals and balances.