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Debt Collection Laws and Practices
Ignorance of debt collection law is the primary reason for many complaints brought against collection agencies, companies, and debtors. Debt collectors who work on commission are highly motivated to make debtors to pay, but often to the point that they threaten debtors. Those accustomed to being treated with a certain amount of respect and customer service complain that they do not receive that treatment from debt collectors, and this makes them less likely to cooperate.

Collection Calls
A collection call is made to inform a debtor of their obligation and put the squeeze on them to motivate repayment. But FDCPA prohibits any phone calls to the debtor if the call will cost the debtor toll charges or mobile phone air time charges. When the debtor answers, the collections call center may track the times and days when a person answers the phone in order to place future calls at times when the debtor is more likely to be home. For this reason the debtor should screen all calls and return them at random times. Using a service like Grand Central can help control calls from collection agencies.