Monday, 3 November 2008




There are a lot more complaints these days about harassment from bill collectors.

Nearly 71,000 people filed complaints of harassment and abuse last year with the Federal Trade Commission. That's about twice as many as did so in 2003.

Thousands more complained to the Better Business Bureau, or to state and city officials.

Regulators and consumer groups say it's a reflection of the increasing number of Americans who took on more debt than they could handle before the current economic crisis.

They also point to a growing number of companies that buy up bad consumer debt at a discount and try to collect whatever they can.

U.S. law lets creditors take aggressive steps to collect a debt. But there are limits. They can't call in the early morning or late at night, and they can't repeatedly use the phone to annoy you. They can't curse you, or threaten to have you arrested -- and they can't lie about the likelihood of legal action.

Even when the people who owe money are rude, abusive and threatening -- the bill collectors aren't allowed to respond in kind.


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