I’ve been reading a lot of press recently about the poor debt collector.  It seems that consumers are on a rampage against debt collectors!  One recent report states that 18% of ALL new FDCPA law suits are filed by consumers that have sued another collection agency.  As the advertisements and media points out, this can only show one thing - that debtors love being in debt, they look forward to getting harassed, just so they can sue the debt collector.  This is amazing, I never knew this!!  You should be ashamed, debtor!

So, there are several new companies out there that search FDCPA lawsuits that are filed and mail collection agencies lists of these “rampaged” debtors so the collection agencies can compare the names to their current list of accounts so they will know if they have an account for one of these ”rampaged” debtors.

Shame on you Debtors!!  How dare you sue TWO collection agencies if TWO collection agencies harass you!  Shame Shame Shame!  You know, these collection agencies have a job to do….they can’t stay in business if they don’t have readily available data that tells them if YOU will sue them if they harass you.  I mean after all they have a job to do!

WAIT…..or MAYBE, just maybe, most debtors don’t know their rights against collection agencies until they are educated that there is recourse for collection agency harassment.  I find it interesting that collection agencies want to know when they are dealing with a “rampaged” debtor.  What are they doing once they find out?  They certainly aren’t sending the account back to the original creditor!  I doubt if they purchased the debt they are selling it to another unknowing “victim”.  I imagine if they know a debtor has filed an FDCPA lawsuit before, they will treat that debtor differently.  Maybe, just maybe, they will obey federal law when collecting the debt.  If only they did that all the time they wouldn’t need to know who the “rampaged” (aka educated) debtors are.

…..Imagine if another type of company was able to see if you would actually “tell on them” before they sold you something.  And based on that answer the product they would sell would ultimately change…  I can’t imagine that being accepted anywhere else.  So, I guess its the debt collector that should be ashamed….again.

-Jeffrey S. Hyslip