Debt Collection — The Four Problems Caused By Abusive Debt Collectors

Sometimes lawyers that defend abusive debt collectors shrug their shoulders and say “So what?  So what that my client abused you.  What’s the big deal?”

Well, Mr. Defense Attorney, there are four major problems that have been clearly recognized by everyone in the debt collection industry.  Four problems caused by abusive debt collectors.  Four problems mentioned directly in the opening of the Fair Debt Collection Practices Act.

Congress found it necessary to pass the FDCPA due to rampant abusive practices by dishonorable debt collectors.  15 USC § 1692 is entitled “Congressional findings and declaration of purpose” and it states as follows:

(a)        There is abundant evidence of the use of abusive, decep­tive, and unfair debt collection practices by many debt collectors. Abusive debt collectionpractices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

Four big problems.

The video above explains how abusive debt collection causes these unnecessary problems.

If you live in Alabama and have questions about how a debt collector is treating you (or “mis-treating” you), pick up the phone and call us today at 205-879-2447 or fill out our contact form page for a free consultation on your rights and options.


  1. Robin Mayfield says:

    I charged some clothing at a small boutique not longer after this my husband and I had to file bankruptcy. I have paid some payments but not all that is due. The owner of the boutique comes to my job and complains to co-workers that I was rude to her but yet I never spoke to her, she has sent certified mail to my job and it was signed for and read by others. She finally gave my boss the run down of the entire debt…I feel she is trying to either embarass me on my job or trying to get me fired. I live in a small town and believe me my job is not the only people she has been telling my business to, any suggestions on what can I do?

    • JohnGWatts says:


      If you are dealing with the original creditor (botique or owner) then the Fair Debt Collection Practices Act (FDCPA) does not apply.

      If it did, then this would be very illegal.

      You may be able to use Invasion of Privacy as a legal way to try and stop this harassment. Invasion of privacy is where unreasonable efforts are made to harass you into paying a debt and particularly when your personal information is shared with others.

      I’m sorry you are dealing with this.

      As far as a suggestion. Either get with a lawyer in your area or write a letter asking this owner to explain what she is doing and why. Sometimes people are very arrogant when they write back and she may admit she is doing this to hurt you.

      Best wishes….

      John Watts

  2. […] their attention.  You should not cause harm to yourself by filing an unnecessary bankruptcy. The Fair Debt Collection Practices Act (FDCPA) was passed in order to […]

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