This is not completely accurate. I tried to play this game, and the JDB provided EVERYTHING...and I mean EVERYTHING. The original loan papers I signed, monthly payments I made, etc. Can you believe, they even had the cease and desist letter I sent to the original creditor FOUR YEARS AGO?????? Also, the debt they purchased for me had an arbitration agreement, which would have made it easier for them to collect. By the way, this was on a six year old debt that had a written contract SOL of 10 years. A friend of mine tried "not paying" because of advice she read on some guys website called budhibbs, and she ended up going to court, and this so called BOTTOM FEEDER won a judgment for $18,000. Which is $10,000 more than the SETTLEMENT they offered her without added interest. Mind you, she had a lawyer. These bottom feeders, as we call them, had everything they needed. So I'd be careful. Also, that budhibbs guy has a lot of wrong information on his site, but unless you're a lawyer or familiar with all the collection laws, you won't find out until it's too late. There must be some reputable reason for paying these people off, as there are far MORE people who do, than don't. And if there were NO REASON at all to do so, they could not LEGALLY be in business. I think it depends on the individual situation. Stating CATEGORICALLY what someone should NOT pay these people could cost you money, or assets(like my friend). She nearly had a nervous breakdown when they took items from her home, and started inquiring about the condo she owned. I hate, hate, hate to admit this, but I suppose what they do, is no worse than those of us who get large lines of credit, and then not have to pay it back because of bankruptcy and SOL laws. Many people fall on bad luck(illness, divorce, etc), but a large percentage simply live above their means, get in over their head, and choose to file bankruptcy. That's free money. So either side could call the other a bottom feeder. I just want to clean up my credit or get rid of it LEGALLY, doesn't matter to me what I'm called in the process, and I don't see this as a Just as I'm sure these JDB's don't care who call them scum or bottom feeders. Be careful.