It is very important for you to understand that the US laws have provided certain legal rights to both debtors as well payday debt collectors. For example, when they give you a call and inquire about the debt you owe, you must admit it and tell them what you are doing to make the repayment. However, if you are not sure whether you really owe the debts that the collector is talking about, you have the right to ask the caller to show documented proofs that you legally owe the debt. For example, if it is a very old debt, it is possible that the statute of limitations has expired already. If that is the case, you are legally not obligated to pay off those debts. In any case, you should never surrender your sanity to harassment.
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