Deadbeats will use every excuse not to honestly pay back what they owe. It’s sickening to see people rationalize it. The latest one seems to be “but the collections guys were mean.”
Bottom line: deadbeats are pukes.
Lenders have a lot of power. They can put the machinery of the legal system against a borrower. They can ruin credit.
IF...they follow the law. That law is the FDCPA. In some states consumer protection laws apply.