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When facing a serious financial debt problem, a person may really feel helpless, stressed and discouraged. You may be vulnerable to threats as well as harassment from debt collectors. But just because you’re in debt does not mean you should be treated with much less respect.


Why Debt Collectors Use Unfair Practices

Despite the presence of the Fair Debt Collection Methods Act (FDCPA), many collectors still resort to abusive techniques and illegal practices so as to force borrowers to pay. The main reason? Many consumers are not obviously aware of their rights and they are hesitant to file a problem. Other consumers simply avoid want to go through a prosecution and therefore may put up with violations.