Debt sales happen more often than borrowers realize, but the switch can still be jarring. Hanizam/Getty Images

Between lingering issues with inflation , high borrowing rates and a generally tough economic landscape, today's borrowers are struggling. Not only are more people relying on credit cards to meet their basic needs, but as that type of debt skyrockets due to compounding interest, it has resulted in rising payment delinquencies and record-high household debt . And, as borrowers' credit card balances continue to balloon out of control, causing them to go unpaid , millions of borrowers are finding themselves in standoffs with debt collection agencies.

That alone can be a frustrating issue to deal with, especially given how aggressive debt collection tactics

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