In 1977, the Consumer Affairs Subcommittee added a new title to the Consumer Credit Protection Act entitled the Fair Debt Collection Practices Act. The purpose of this bill was to protect consumers from a host of unfair, harassing, and deceptive debt collection practices. However, this purpose was to be accomplished without imposing unnecessary restrictions on ethical debt collectors. As such, this bill was not only supported by consumer groups, labor unions, and State and Federal law enforcement officials, it was also supported by the American Collectors Associations and Associated Credit Bureaus.
The FDCPA’s main objective is to protect consumer against unscrupulous debt collectors. However, what many people don’t realize is that the FDCPA is also designed to protect honest, ethical debt collectors from being competitively disadvantaged by the unlawful debt collectors. The FDCPA aims to even the playing field so that debt collectors, who engage in lawful collection methods, by showing common courtesy and respect to the consumers, are not competitively disadvantaged by the unscrupulous debt collectors.
When a consumer sues a debt collector for their harassment and unlawful debt collection, the consumer partakes in fulfilling the objectives of the FDCPA, by not only protecting the general public, but also protecting the honest and ethical debt collectors who refrain from using these unlawful debt collection practices.
Different people all over the world take the loans from different creditors, just because it’s easy.
Railing against the debt collectors, who perform a necessary function, by attorneys who make thier living ‘bending’ the intent of the FDCPA should rank up there with the debt collectors who alledgedly violate that same FDCPA.
We are ALL aware of attorneys, like these on this site, who ‘ambulance chase.’ They KNOW that most insurance companies will pay the deductible rather than the costs of litigation so – they use that to line thier pockets while giving you, the litigant, a pittance.
So, while you read these high and mighty words from a group that will nitpick the FDCPA and use consumer anger at debt collectors to PUSH collection agencies into an insurance settlement be aware that they are NOT protecting you. They are lining thier pockets at your expense.
Just my thoughts on the subject.
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