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Most of the time a person gets "abused" or upset over a collection agency's tactics, it's from a disreputable or very mismanaged collection agency. A legitimate agency will properly train their employees in all aspects of the Federal "FDCPA" or Fair Debt Collection Practices Act. This act was passed by the US Congress in the late 1970's.
BCA Financial Services and their managing director was there when this act was passed and has watched it evolve (via court cases and FTC intrepretations) over the years.
Over 3000 collection agencies in the United States belong to ACA International. This very respected trade association maintains a website to help individuals know their rights. It's called "Ask Doctor Debt."
You can also find Ask Doctor Debt by going to a collection agency's wesbite. Go to BCA Financial Services Consumer Page. There you'll find the link.
Try it.
Merry Christmas.
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