Reply #3: The collection business is mainly ignorant people. [View All]

[TexasObserver]

Every few years, a new batch of collection groups develop, using illegal tactics. They don't know or don't care, though. The worst of the bunch get public scrutiny, but most fly under radar and get away with all manner of illegal abuse.

There is a federal FAIR DEBT COLLECTION PRACTICES ACT (or something of similar name) which regulates their conduct. I'm sure a quick search of that term would reveal a number of sites with "your rights" enumerated.

Anyone who is being harassed by calls should let the calls go to voice mail, so they can create a tape recorded message that can be used to prove what was said. Often, you cannot surreptitiously tape them, but if they voluntarily leave a taped message, that's (usually) admissible and not illegally obtained.