From the Washington Post...
Last week, the Federal Trade Commission released its latest report to Congress on the Fair Debt Collection Practices Act. This act prohibits deceptive, unfair, and abusive practices by third-party debt collectors.
The FTC reported that in 2007 consumer complaints about debt collectors increased both in absolute terms and as a percentage of all complaints filed directly with the Commission. To read the complete report click here.
The FTC received 70,951 debt collection complaints in 2007. And 19.7 percent of the complaints alleged that collectors harassed them by calling repeatedly or continuously. The FTC reported that almost one out of ten complaints claimed that a collector had used obscene, profane or otherwise abusive language.
You certainly should pay people what you owe to the best of your ability, but you don't have to put up with harassing methods. So contact the FTC to register your complaint. You should also contact the Better Business Bureau, which is in a better position to help you mediate a problem you are having with a collector.
Debt Ridden
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