Collections agencies use fear in order to get debtors to pay their bills. One of the ways they intimidate people is by through the use of harassment.

Real World Example:

“Debt Collector: “Whatever way you want to handle this thing, you handle it, but as of today, I’m going to handle it my way.”
Consumer: “I’m going to make sure my rights are not violated.”
Debt Collector: “No, no, you going to get violated, sir.”
Debt collector: “What I’m going to do? I know where you’re at. I’m going to have my investigators come to your place of employment and drag you out, OK? Good day, big guy.”

Actual Legal Position:

Collections agencies are prohibited from harassing debtors. It is unlawful for bill collectors to bully their clients, or to use threatening or disparaging language in order collect an unsettled debt.

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