The creditor you owe money to may request that a debt collector try to get payment from you, particularly if the creditor has been unsuccessful. The debt collection agency may use unethical tools to seek payment. A Tampa, FL debt lawyer at Ziegler Diamond Law: Debt Fighters is likely to recommend that you contact the original creditor about the payment issues. A creditor may be willing to work with you to create a payment plan in which you both benefit.