News flash! Debt collectors want to avoid the law to get you to pay your bills! That's right, ladies and germs; a trade organization made up of credit grantors and collectors wants the Man to allow them to call you on your cell phone (and run up your minutes, which costs you) and harass you into sending them money!

The Telephone Consumer Protection Act (written in the early 90s) states that people can't make calls using automated machines (like creditors do) to solicit payments, but collectors who use them say they're not soliciting, they're just trying to complete a transaction (getting you to pony up the cash).

Don't get me wrong. If you owe the dough, then pay it. But just like Dave Ramsey says, these morons break federal law on a daily basis, and now they just want another way to do it.