As if asking someone to pay you back repeatedly wasn't unpleasant enough, some debt collectors have taken the art to a new level. Harassing phone calls, abusive language and even physical violence have made their way into the world of debt collection as collectors fight (all to literally) to pry money out of the hands of many Americans who simply don't have it anymore. The comforting fact in all of this is that actions such as these are illegal under the Fair Debt Collection Practices Act of 1977. But is that only “cold comfort” to Americans unable to pay their bills?
Rodney Meeks, vice president of Credit Consulting Services in Salinas, CA. He is a member of the Association of Credit and Collection Professionals International and the California Collectors Association
Robert Andrews, senior analyst specializing in the debt industry at research film IBISWorld