So you're behind in your credit card payments again. You can't help it, you say. You're just not good at managing money. Of course, that's no excuse. But do you deserve to be harassed by a debt collector? How intrusive are they allowed to be? ABC News goes behind the scenes to show you some of the sneaky, sometimes illegal tactics debt collectors use to get money back.

This 20/20 program also contains the following stories:

The Murder of Mathew Winkler

Vanishing Diving Boards

Correspondent: Brian Ross

Airdate: 7/6/2007

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