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. If Sam does not pay, Harry is free to inform Sam's employer that Sam is a delinquent debtor.

Question

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Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from using deceptive or abusive practices to collect debts, including threatening physical harm or using false representations. Informing an employer about a debt without the debtor's consent could also be considered a violation of privacy and not permissible under the FDCPA.

The Strong Arm Collection Agency Had a Number of Debts