By

CBSNews /

CBS/ May 5, 2010, 1:43 PM

Getting Abusive Debt Collectors Off Your Back

When bills go unpaid, it's a debt collector's job to get the money.

But a growing number of consumers are complaining that debt collectors are going too far.

The Federal Trade Commission, "A debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them."

Federal law prohibits debt collectors from harassing or threatening you, and from using profanity.

E-mail Susan Koeppen
Susan Koeppen's Twitter page

But, reports "Early Show" Consumer Correspondent Susan Koeppen, the number of grips about them went up as the economy tanked, and now, the FTC says it's fining debt collectors to the tune of millions of dollars for breaking the law, with more complaints coming in about the debt collection industry than any other -- 100,000last year alone.

And the number of lawsuits against them is up, too. More than 8,200 suits were filed against debt collection agencies last year, up 60 percent over the previous year.

One person who sued a collection agency is Monica Johnson, of Houston. She accused it of harassment.

She was at work when a debt collector called saying there was a warrant out for her arrest.

"So, at that moment, my heart is dropping," Johnson said.

Then, while her daughters were home alone, a debt collector left a message: "I'm over here by a truck stop finishing up my coffee, and then I'll be stopping by. … I'll see you in the next couple of hours or so."

"You're scared," Johnson says, "because how far is someone willing to go to get this money."

In reality, says Koeppen, there was no warrant and no one was stopping by.

They were simply scare tactics to get Johnson to pay.

The FTC's Joel Winston says, "That is entirely inappropriate and entirely illegal," adding that, "in too many cases, (debt collectors) go over the line."

Violators should know, he stresses, that, "If you use abusive tactics, you're running a serious risk that you're going to be prosecuted."

Such as debt collectors -- caught in the act - saying things such as, "You're a loser. Why don't you just jump in front of a train?" "You a f***ing thief, you know. "I'm gonna find you and you gonna be walking like a b***h on the side of the street." "I'm the guy who's gonna end your life. That's who I am"

Rozanne Andersen, CEO of CBS News the debt collector who left her the threatening message was terminated. And, after our call, the company settled with the Johnson family.What Can Consumers Do if Debt Collectors Break the Law?Koeppen says:File a complaint with their state attorney general's office, and with the FTC.And know your rights: know what debt collectors are allowed to do, and barred from doing.Click here for word on this from the FTC.

You can also file a lawsuit if you feel a debt collector has done something illegal in pursuing you.
Copyright 2010 CBS. All rights reserved.
20 Comments Add a Comment
linkicon reporticon emailicon
adelaidedetroit says:
I was in serious debt and credit trouble. I got <a href="http://www.debtguru.com/">debt help</a> from debtguru.com
reply
linkicon reporticon emailicon
maylaur says:
If you need help understanding the laws that protect you from abusive practices, you can go to www.debtorboards.com and seek help from others who have dealt with it and either succeeded in prosecuting the abusers or simply stopped the abuse.
reply
linkicon reporticon emailicon
againstbillcollectors says:
There are Florida and Federal laws to protect consumers against bill collector harassment. For more information about these laws, go to www.againstbillcollectors.com
reply
linkicon reporticon emailicon
ajvw says:
Getting Abusive Debt Collectors Off Your Back

you might trying taking a little responsibility and paying your bills
reply
KeninCasper replies:
linkicon reporticon emailicon
OK, paying bills is great. How about the three collectors who are trying to get me to pay a discharged debt from a bankruptcy ten years ago?
linkicon reporticon emailicon
quapawsix says:
best response don't answer the phone if you don't recognize the number. The credit score is a nothing more than a scare tactic and borders the mark of the beast that all you Christians claim is coming.Can't wait till they tell you you have to have a veri-chip to buy sell or trade or better yet your identity. Listen to what they are saying it can effect your ability to to even get a Job so you can get out of the situation you are in. Down with the Whole greedy banker system.
reply
linkicon reporticon emailicon
lulucleo says:
I'm filing a complaint against MRS Associates. I am dealing directly with my creditor and paying them but MRS continues to harass me. MRS even called my mother! Can you believe that??? (I'm 37 years old) Then MRS called me at least 4 times at work after being told the first time to not call at work (that's an FTC violation).
reply
linkicon reporticon emailicon
formrusmcsgt says:
by mswolfestock May 5, 2010 12:53 PM EDT
Debt collectors are a lower form of life.
---
They wouldn't be calling if you were taking care of your obligations, would they?
reply
linkicon reporticon emailicon
formrusmcsgt says:
by inmom63 May 5, 2010 12:04 PM EDT
We're on the hook for our grandson's college loans...
---
Are his parents deceased?
reply
linkicon reporticon emailicon
formrusmcsgt says:
Getting Abusive Debt Collectors Off Your Back
---
Don't spend more than you make and you never have to worry about debt.
reply
linkicon reporticon emailicon
junebug1965 says:
"Susan Koeppen Explains What They Can and Can't Do, and What to Do if They Do What They Can't"

Good grief, that sentence made my brain hurt!
reply
See all 20 Comments