Aren collection agencies overly aggressive?
Collection agencies need to be direct and firm in order to get a delinquent account paid. But the days of the gruff collector that warns debtors to “pay…or else!” are long gone. Collection agencies are far more professional and must adhere to specific steps when going after past-due accounts. In addition, the Fair Debt Collection Practices Act (FDCPA) forbids collectors from threatening and harassing debtors. Violating the FDCPA could cost an agency their license and bring up formal charges. We cover more about the often-misleading public perception of this business when discussing the misconceptions of collection agencies.
