I suggest you educate yourself on the 1.5 million dollar judgement againt a collection agency that you stated - I know one of the attorneys who fought this case - The gentleman was subjected to vial messages - you can go to www.wfaa.com and type in collection case and LISTEN to what this person was subjected to
NOW how did these scum bags violate the FDCPA?? I ask because I sued one of these loser agencies and won - they threatened to have me arrested, have my office shut down and all computers confiscated, have my parents arrested, loss of job, garnishment of wages etc etc so I know of what I speak