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Debt collectors often prey on creditors' ignorance.
Debt collection is a whopping $11.5 billion industry, and around 28% of Americans currently owe money and are being sought out by a third party debt collection agency, according to the Bureau of Consumer Financial Protection (BCFP).
Debt collectors often prey on creditors' ignorance. In 2018 alone, the Federal Trade Commission (FTC) banned 32 companies and individuals from ever working in debt collection again for malpractice. The best course of action when you first become late on a payment is to make sure you know the laws and your rights when it comes to handling debt collection.
A debt collection agency is a separate third party from the original creditor to whom you owe money. At some point of time (usually no sooner than 90 days), creditors often turn over unpaid loans to the debt collector to pursue the customer in an attempt to receive payments. Debt collection agencies often buy out a portion of the unpaid loan from the creditor, or they may receive a percentage of the money if and when it is paid.
Debt collection is a civil, not criminal matter. This means the police will not get involved, and you will not go to jail for failure to pay on loans.
It's amazing what people will hold onto.
At some point or another we've all had an older relative, maybe an uncle or a grandparent, implore us to start collecting stamps or rare coins. It's always the same dubious story about how these collectibles will appreciate in value over the years. Maybe they will. Maybe they won't. Either way, this doesn't really seem like a determining factor of why we, as a species, find it necessary to hoard ostensibly useless objects.
Quack Medical Devices<img lazy-loadable="true" src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8xNzQ4MDIwMi9vcmlnaW4uanBnIiwiZXhwaXJlc19hdCI6MTY1ODk1MDM2MH0.2hr_jQ5UZ2p0lqBCVO8aGrl-8IAQKPkpx7GlvjU9sYc/img.jpg?width=980" id="c6196" class="rm-shortcode" data-rm-shortcode-id="153e3ec14b4086b524964d7dc70e82ad" data-rm-shortcode-name="rebelmouse-image" />
Mysterious potions used to address a variety of medical ailments<p>Are you into medicine but not into science? Well, have I got the collector's item for you. Whether you want your head bumps measured by a <a href="http://www.medicalbillingschool.org/blog/ridiculous-vintage-quack-medical-devices" target="_blank">robot phrenologist</a> or you want to get your shoes fitted via <a href="http://www.museumofquackery.com/devices/shoexray.htm" target="_blank">x-ray</a>, there's a whole slew of collectors dealing in medical quackery. These collections, some of which are already in museums, stand as a testament to the fallibility of <em>scientific</em> progress. </p>
Toilet Paper<img lazy-loadable="true" src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8xNzQ4MDIwMy9vcmlnaW4uanBnIiwiZXhwaXJlc19hdCI6MTY1MjUyNzc5OX0.IjuGr1-b97ApVVyZYHlktfs7_pc7dn08BpS4m9BFrtg/img.jpg?width=980" id="f62fb" class="rm-shortcode" data-rm-shortcode-id="f0f3596d607045fb5a2b6563de61cfd8" data-rm-shortcode-name="rebelmouse-image" />
Just a standard roll<p>If you're like me, your first thought was <em>Oh jeez, is there some creep out there collecting used toilet paper?</em> Don't panic! None of the toilet paper in Flo and Rich Newman's <a href="http://www.masslive.com/news/index.ssf/2009/08/amherst_couples_whole_world_to.html" target="_blank">collection</a> has been used. The collection does, however, sport 900 types of toilet paper from six continents. They didn't always collect TP, however. At first, the Newman's collected antiques, but they found themselves too concerned with the monetary value of their collection. In Flo's words, they "wanted to collect something useless."</p>
Celebrity Hair<img lazy-loadable="true" src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8xNzQ4MDIwNC9vcmlnaW4uanBnIiwiZXhwaXJlc19hdCI6MTYxNzU0NzgzMn0.c8ZJE5yeH2H2osNnRm-zzn7BbOElDJSmIn8TcNVY2dI/img.jpg?width=980" id="4cf7a" class="rm-shortcode" data-rm-shortcode-id="d0c7fe28a82cc6aa2efccadeff35b058" data-rm-shortcode-name="rebelmouse-image" />
Elizabeth Taylor's hair even comes certified!<p>It there a better way to preserve the memory of meeting your favorite celebrity than stealing a lock of his or her hair? Probably. Still, this is a thing people do. Whether they use the hairs for voodoo or these collectors are trying to clone their celebrity crushes remains to be seen. No one <em>has</em> to do this, and it's certainly very creepy, but maybe some famous people would be flattered to be part of such a collection.</p>
Toenail Clippings<img lazy-loadable="true" src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8xNzQ4MDIxMy9vcmlnaW4uanBnIiwiZXhwaXJlc19hdCI6MTYyNzY0NjUxNH0.0_VhyktoSLA0c7SN41LOaCqyrmM0F61Ymsxm0ezr9zk/img.jpg?width=980" id="ed8b0" class="rm-shortcode" data-rm-shortcode-id="67af639d04e6de07fdd219efbea9296f" data-rm-shortcode-name="rebelmouse-image" />
Richard Gibson, with his jar of toenails.
Ripley's Believe It or Not<p>Yes, really. If you think Quentin Tarantino has a <a href="https://www.ranker.com/list/quentin-tarantino-foot-fetish-scenes/anncasano?utm_expid=16418821-388.8yjUEguUSkGHvlaagyulMg.0&utm_referrer=https%3A%2F%2Fwww.google.com%2F" target="_blank">foot fetish</a>, check out <a href="https://www.huffingtonpost.com/2014/08/23/richard-gibson-toenails_n_5700494.html" target="_blank">Richard Gibson</a>, who has kept every toenail he's clipped since 1978 in a jar. His collection is well into the thousands and is probably the most nauseating thing on the list. Why Richard? Why?</p>
Belly Button Fluff<img lazy-loadable="true" src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8xNzQ4MDIyMi9vcmlnaW4uanBnIiwiZXhwaXJlc19hdCI6MTYyMzIyMjQxOX0.ok1ST2DbH5A04m1fringaKoTckHzGh9DhWxTvUThptw/img.jpg?width=980" id="619ea" class="rm-shortcode" data-rm-shortcode-id="fbe3069817c7d6f155c7565a7b455d4e" data-rm-shortcode-name="rebelmouse-image" />
Graham Barker's meticulously organized belly button lint<p>Okay, remember when I said the last one was weird? <a href="http://www.feargod.net/fluff.html" target="_blank">Graham Barker</a>, as certified by the folks at Guinness, has the largest collection of belly button lint in the world. His collection reportedly weighs around 22 grams and is sectioned into jars by decade. It's impossible to tell what Barker hopes to gain by keeping this lint. This collection has sparked an addendum to my theories about why we collect things. I think some people are just insane. </p>
Traffic Cones<img lazy-loadable="true" src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8xNzQ4MDIyNC9vcmlnaW4uanBnIiwiZXhwaXJlc19hdCI6MTY0NDg5NTM0N30.TkGIkdiGsw6NTD56IMAGYNiymcCWhc3oTaFJhqiPOB0/img.jpg?width=980" id="74bae" class="rm-shortcode" data-rm-shortcode-id="2a2aef55cb6dc6aabdff59acb2a0fb0b" data-rm-shortcode-name="rebelmouse-image" />
David Morgan, with a few of his salvaged traffic cones<p><a href="https://www.youtube.com/watch?time_continue=16&v=tCXvUCoNS7w" target="_blank">David Morgan</a> has collected over 500 traffic cones. A certifiable nutcase, Morgan says he "feels bad for the cones" when he sees them sitting alone in the street. When he sees one, he reportedly takes it home and gives it a hot bath before storing it in his garage with the rest. A retiree, Morgan spends most of his time tending to cones and adding to his collection. His obsession with cones leads Morgan to lead a solitary life.</p>
Chicken-Related Items<img lazy-loadable="true" src="https://assets.rebelmouse.io/eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpbWFnZSI6Imh0dHBzOi8vYXNzZXRzLnJibC5tcy8xNzQ4MDIyNS9vcmlnaW4uanBnIiwiZXhwaXJlc19hdCI6MTYwMzIwNDM4MH0.jkLYCFGgnCw3WIl8lJouUQWSPSHaQ6_4xGkAgd9rjiY/img.jpg?width=980" id="01dca" class="rm-shortcode" data-rm-shortcode-id="7b9eea6fbfad6138ec16ff64fd6d3089" data-rm-shortcode-name="rebelmouse-image" />
The Dixon's love chicken-themed paraphernalia<p><br></p><p>This is the least specific collection on the list, but Joann and Cecil Dixon's entire house is full of over 6,500 individual pieces of chicken-related knick-knacks. They've got plates, Christmas ornaments, clocks, bowls, statuettes and more. They're currently in the <a href="http://www.guinnessworldrecords.com/world-records/largest-collection-of-chickens" target="_blank">Guinness Book of World Records</a> for what is possibly the most niche award ever given. Some people just love chicken.</p>