21. Checking Out a Collector
All the rules of fair play spelled out in the Fair Debt Collection Practices Act assume one important thing: To hold the collector and his agency accountable, you have to know the identity of the company with which you are dealing. However, that isn’t always the case. Misrepresentation, after all, is one of the most common complaints that consumers make about collectors.
At my office, the official training course taught us to identify our company by its correct name to the debtor (and the debtor only, unless asked), but individual collectors interpreted this with a great deal of latitude. Some of my coworkers told people that they were calling “from Visa” or “on behalf of Bank of America,” or whatever other creditor ...
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