No one feels good about a debt collector breathing down their necks, but it happens. If you are lagging behind on your bills, it should not be surprising when you hear from a collection agency. If you do get a call from any such agency, it is better to get them off of your back as soon as possible. But in the meantime, while they are dialing you up every other day, there are likely some important facts they haven't told you. This article will disclose some of these undisclosed facts that everybody dealing with a business collection agency should know. The following facts have been provided Claire Johnson, a personal finance lawyer: You are not obligated to communicate with a collection agency : A business collection agency does not have the right to harass you with their collection calls. However, it is advised not to ignore the initial calls, or any summons from the court. If you report a dispute, regarding the debt or a part of it, within 30 days of getting the first call, the c