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. Harry is not entitled to use any physical threats, force, or pressure against Sam.

Question

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Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from using any form of threat, violence, or other criminal means to harm the physical person, reputation, or property of any person.

The Strong Arm Collection Agency Had a Number of Debts