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A collection agency may be legally entitled to contact debtors, but only if it uses certain acceptable debt collection behaviors. For example, debt collectors are restricted to contacting debtors at certain hours of the day and are not allowed to use threats or offensive language. Unfortunately, complaints about abusive debt collection practices remain the leading consumer complaint to the Federal Trade Commission.

This ABC News report takes an inside look at offensive debt collection behaviors. In particular, the report shares the story a Bank of America customer who continued to receive harassing, offensive phone calls after he had settled his $81 owed debt. With the help of his attorneys, he was able to track down the responsible collection agent and hold him accountable.