[crtified]

I am in a different western country, where the nuance of laws and systems differs, but the notion of CC debt collection as a miserable, shoddy, shady system holds true.

Facing $10K of CC debt following a mental and work breakdown, I subsequently endured years of quasi-legal harassment. Each illegal demand and unfair treatment had to be painstakingly fought against - weeks, months and years sitting at the computer composing lengthy rebuttals, and appeals to government regulators.

Only to have the bank blatantly perform the same illegal tactics again-and-again, with virtual impunity - their semi-automated wordsmiths will simply trot out a few pages equating your repayment shortcomings with the fairness of their actions, retract their infringing action, and the music will restart...