HERE IS A LINK to the FTC site on what is lawful: FTC LINK
In Merry Old England once could spend an entire life in Debtors Prison [mercifully not very long thanks to the poor food and hygiene]. Who founded the United States but the English and interestingly they brought over a lot of bad Pavlovian beliefs, like hounding debtors to death. One of the most famous was Samuel Chase one of the first Justices of the United States Supreme Court who it is said died in a flop house in New Orleans after moving from town to town trying to escape his debt collectors. Any student of history will tell you that no one less than Thomas Jefferson himself was hounded by debt collectors and had it been available would have declared bankruptcy. Today we have protections in debt collection and bankruptcy. Almost everyone wants to pay their creditors|very few creditors want to give anyone a break; and of course the irony today is that we as taxpayers have given many creditors huge breaks and even money to stay afloat!
Here is a recent case overview of a Court getting tough with a debt collecting firm: 2010 Court sanction against a debt collection firm
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