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Ask Dave

The Dirty Ways Collectors Do Business

You won't believe what some collectors will do to get you to pay a bill.

QUESTION: Dave talks more about abusive collection tactics after a listener emails in telling of the absurd things a collector told her to do to pay her debt.

ANSWER: There are parts of debt collection that I don’t have a problem with. If you owe money and someone calls to bug you, I’m alright with that. But the Federal Fair Debt Collection Practices Act says collectors can only call you between 8 a.m. and 9 p.m. your time. It says they can’t harass you, call you multiple times a day, use profane language on you, or threaten a lawsuit on you unless they have a track record of suing people. When you say you’ll garnish someone’s wages and you haven’t sued them, you’re a liar and you’re scum.

You can’t threaten someone with jail time or disclose private information to someone other than the person who owes the debt, so they can’t tell your neighbor anything. These scumburgers with major national companies like Chase, Sears, JCPenney and others have done it for a long time and gotten away with it.