Granted, there are some people who know how to shake a bill collector as well as a stripper during NBA All-Star Weekend, but no one should be spoken to in that tone in a professional setting.

Call it a hunch, but calling a person in debt fat, uneducated, ghetto, and a reject won’t lead to them instantly thinking, “Gee, this racist white man has really made me see the error of my ways. Let me go write a check that won’t bounce this instant.”

I’m almost certain the same can be said of threatening sexual assault to a person’s daughter.

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Thankfully, New York Attorney General Andrew Cuomo is trying to shut down this and other debt collector companies who use outrageous tactics in both the state of New York and others across the country to collect money owed.

It’s a shame that Dorothy Gilbert, the victim in question, claims she now sleeps with the receipt of the bill she actually paid over a year ago under her mattress just in case the demented debt collector over the phone makes a swing past her home.

Right now there are a lot of people hurting and trying to make due with what little resources they have. One would think those likely making less than $15 an hour would be a bit more understanding to those struggling to keep up with the bills. But then you have to quickly remind yourself that are a lot of people among us who qualify for an extended stay in a padded room.

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The irony of it all is the caller had the audacity to question Gilbert’s education. The last time I checked, one didn’t need a college degree to work at a call center.

All this guy’s doing is giving companies another reason to base their call centers in New Delhi, not Middle America.

Do you have a debt collector horror story? If so, leave your feedback below or send your nightmare tale to therecessiondiaries@gmail.com.

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Michael Arceneaux hails from Houston, lives in Harlem and praises Beyoncé’s name wherever he goes. Follow him on Twitter.