A bruxa de Portobello

Handling collection agencies I say -  whether it's yours or not, have them verify it first. It is their job to do so; and whatever you do, remember not to admit to the debt nor promise to pay for it, not until they verify it.

Bad debts written off Creditors are obligated by the law to write bad debts off - it's a loss of profit for both of them - so what the creditors do is pass the accounts to collection agencies (which they might also own) in order to at least collect a portion of those debts. If it so happens that t...