>> people have won lawsuits. document when they are calling you. they are recording your calls, record theirs. >> one threatened to have someone arrested. does a debt collector have a right or legal backing to make that happen? >> no, they can't. if you hear that, you can ignore it? >> ignore it. get their information. get the name of the company, their phone number, address. how do i correspond with you. validate it. they need to send you something saying this is your debt and how much you owe. >> suppose you get a call. you are going to get fired up or scared or get angry. >> exactly. >> how do you handle it? >> back away. count to ten. they have the upper hand. they know what they are doing. they are professionals. they are trying to push your buttons. realize what the situation is. step back. say give me your information. if they don't, hang up the phone. you have the right to tell them