The Strong Arm Collection Agency had a number of debts to collect from Sam, a delinquent debtor. The agency sent Harry to see Sam and present him with a demand for payment that was drawn to resemble a court summons. Harry delivered the demand, but before he departed, threatened to "beat up" Sam, and inform Sam's employer that he was a "deadbeat," if he did not pay the debt promptly. A collection agency may use any form it wishes as a demand for payment, provided that it does not use an official court form.

Question

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Using a form that resembles a court summons to collect a debt is misleading and can be considered a violation of the Fair Debt Collection Practices Act (FDCPA), which prohibits deceptive practices in debt collection. Additionally, threatening physical harm or intending to defame someone to their employer over a debt are actions that are also against the FDCPA.

The Strong Arm Collection Agency Had a Number of Debts