1. Keep things as simple as possible - the K.I.S.S. rule.

2. Go to a Kentucky Fried Chicken restaurant tomorrow when they're having their trans fat toonie special for $2.49 (add an extra piece of chicken for a buck) But not you Monty, you gotta lose some weight.

3.Start eating your drumstick in their parking lot.

4. Watch the ravenous squealing/squalling flock of seagulls that swarms around you. It's hard not to get the impression that, if they were bigger than you, they'd be taking that drumstick right out of your hand, and maybe your hand with it.

5. Of course, because they're a lot smaller than you, they're powerless to do anything other than annoy you, though they certainly do a good job of that.

6. Asking the seagulls to leave you alone is about as pointless as well, asking a collector to leave you alone. After all, nature dictates that all scavengers behave similarly. It's only when you have eaten the meal and there's absolutely nothing left that the seagulls will leave, maybe not right away but surely in a very short space of time when it becomes plain for them to see that there are no pickings to be had.

Now think of Outlaw's position or anyone else's who knows that a collector is SOL on a debt. After the collector is finished lying through his teeth (or beak) and haranguing you with his collection agency cry, if you tell him you know the debt is SOL and his cockroach-like antics won't work, then (like the thwarted seagull) he'll disappear to go in search of a another guy with a drumstick.

Ray

Well, you're free to make your choices as you see fit, but by doing something that so clearly falls under the heading of harassment you are running a risk... and choosing to do so to somebody who has the technology to collect all the proof they need.

Far better to find a legitimate reason to contact them... and do so often enough to annoy them, but not often enough to be considered harassment.

I'd love to see a collection agency try to go after someone for harassment. Talk about the pot calling the kettle black....

PB.

The only problem with that is that they may come after you for harassment...