The Association of Credit and Collection Professionals reports the top debt collection ethics complaint for June 2005 was, you guessed it, harassment:
The top ethics complaint for June concerned debt collectors harassing consumers—specifically, rude and threatening comments directed towards consumers. The Fair Debt Collection Practices Act (FDCPA) prohibits a collector from engaging in any harassing or abusive practices in connection with the collection of a debt.
Not only does the FDCPA prohibit collectors from harassing consumers, it provides a remedy when they do in the form of statutory damages of up to $1,000 plus reasonable attorney fees and costs. Of course, if a consumer suffers actual damages he or she is entitled to compensation for those damages as well. California consumers who have been harassed can email me or visit my website for a free consultation. Consumers outside California should consult the National Association of Consumer Advocates database to locate an attorney in their jurisdiction.