Third party debt collectors are know for their abusive tactics when dealing with consumers, so much so that the major ones have been fined by the Federal Trade Commission numerous times for this very act.
Most people are unaware of the fact that mail and telephone abuse is actually a violation of the law by debt collectors, they cannot use certain language in their letters as well as in their phone conversations.
There is actually a law known as the Fair Debt Collection Practices Act that governs how debt collectors operate, some of the issues this law covers includes communication in connection with debt collection, false or misleading representation, unfair practices, and validation of debt to name a few.
It is a good idea to consult with an attorney if you believe you have been a victim of abuse from these debt collectors, you may be liable for damages if you can prove they broke the law and some attorneys specialize in this area.
Due to the fact that collections also affect your credit report, you want to take a look at each collection account that is listed on your credit report, make sure you own the account, a large percentage of credit reports are said to have errors on them and you want to make sure yours is not one.
It is possible to repair your credit yourself, with the help of a do it yourself credit repair kit. It will show you step-by-step how to clean up your credit report and also get rid of old collection accounts.
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