Shauna is delinquent on her car loan payment. The debt collector hired by the bank visits Shauna and verbally abuses her using highly offensive language. Shauna is annoyed. However, she has suffered no actual damages. Under the Fair Debt Collection Practices Act, the debt collector:

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Once the debtor is located, the collector will seek to get payment on the overdue account. However, the FDCPA restricts methods that can be used in the collection process. The collector cannot physically threaten the debtor or use obscene language. In the absence of actual damages, the court may still order the collector to pay the debtor up to $1,000 for violations.

Shauna Is Delinquent on Her Car Loan Payment