Thursday, October 22, 2009

Legally Speaking: Extreme Debt Collecting

by John G. Browning
posted by Jameel Murray

In last week's column, I related the experience of a young Illinois woman who found herself on the receiving end of a debt collection notice - sent via her social networking page!

As I pointed out, the unusual method not only cost the debt collectors a lawsuit for emotional distress, but it also could very well have violated the Fair Debt Collection Practices Act - a federal law passed to protect consumers and set limits on just what debt collectors can do to collect a debt.

But as we'll see, the pressures of today's economy have translated to more questionable debt collection activities than ever before.

There have always been the rare extreme examples of outrageous debt collection attempts. In one case, an El Paso jury awarded a couple $11 million (reduced on appeal in 1998 to $1 million) for what they endured at the hands of debt collectors.

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  1. I think we should also look at the debt collector's perspective. If someone borrow your money and doesn't return, you would be pissed too. I think that people should be reasonable and pay for what they get because there's really no free lunch.
    Quang Nguyen

  2. Yea that is definitely true. I would want to hunt that person down forever and we all would.