Major television networks have carried stories about debt collection abuse. The most troubling include messages left on answering machines telling a man he should, “Just kill himself” since in the debt collector’s opinion, the man was a worthless person since he could not pay his bills. If a person is unable to pay off the debt, the only way to make the harassment stop may be to hire a lawyer.
There has also been in increase of debt collector abuse in the form of fraud. There has been an increase of scams with people getting calls saying they owe on a credit card they have never even owned. It may seem simple to be able to catch this, but once you have such a large amount of debt or owe on several different things, it may be difficult to sort out what is false. Therefore, it may just so happen that an individual sends a payment for a credit card they actually don’t owe anything on.
The Fair Debt Collection Practices Act is supposed to protect people from being harassed. There is a fine line however on what can be considered harassment, and it may be easy for debt collectors to toe the line and harass you in a way that is not covered by the law. If you feel you are being harassed by debt collectors, there are nonprofit organizations that can lend a hand in getting the calls to stop.