Debt collectors have strict regulations as to how they can and cannot collect a debt. Regulations are set in place to protect not only consumers but to discourage abusive collection practices that can negatively affect those collection agencies that are abiding by these regulations. The Fair Debt Collection Practices Act itself has some ambiguous areas that are intentionally left this way to protect such a wide array of violations. There is not one formula that fits for every violation.
Ex Debt Collector ?Andrew? said that when he was first hired by the debt collection agency where he worked, the employees had to memorize the FDCPA regulations so they could be certified. But after certification day, they were told that anything goes. The collector could say anything to unsuspecting consumers that would bring money in the door. They were told the agency would make so much money that an occasional lawsuit for FDCPA violations would be peanuts to them in the grand scheme of things.
The collectors were pumped up. They were told to have no sympathy and let no one escape their debt. Collectors were cheered when they brought a woman to tears. Often times a collector would signal others to listen in as they ripped into a crying debtor, purely for entertainment value of course. Threats of arrest and jail were often made.
Abusive debt collectors will use any means necessary to ensure that payment is made. Sometimes they may demand that a payment is made immediately otherwise they may need to go to the next step. These ambiguous statements are used to create fear and a sense of uncertainty that only fuels this abusive cycle.
Many debtors can sense that there may be something askew, whether it is a statement that is being made which is causing concern, or actions that are taken. Unfortunately, not many people are familiar with the protections that the Fair Debt Collection Practices Act has in place. For this reason the only way many people know how to get these debt collectors off one?s back is to ignore the calls or give in to their demands. The Fair Debt Collection Practices Act helps consumers punish these abusive debt collectors for their actions and stop the abuse.
Norman Taylor & Associates are consumer advocates who know when consumers? rights are being violated and what can be done to stop abusive debt collectors. Helping consumers since 1987, they have handled over 6,000 consumer cases. The best possible support when dealing with debt collector abuse is the assistance and advice of an attorney who has a solid understanding of the Fair Debt Collection Practices Act and the knowledge of how to put an end to these abusive debt collection practices. Norman Taylor & Associates may be contacted at 1-800-764-7182.
About Norman Taylor & Associates – Consumer Advocates
Norman F. Taylor and Associates have been assisting consumers since 1987. At Norman Taylor & Associates, the goal is to provide clients with the highest quality of legal representation. The firm and its associates are experts in both the debt collection laws ? the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). They can provide you the help you need to end debt collection harassment and bring you peace of mind. They represent consumers all over the state of California. With a twenty two year history of successful cases, Norman Taylor & Associates has established their reputation as a firm of consumer advocates that get the job done.