Often consumers think they are not protected under the Fair Debt Collection Practices Act (FDCPA) if they owe the debt. This is simply wrong. Whether you owe the debt or not - the FDCPA protects you from abuse and harassment. If you have any questions or would like our free book on Stopping Abusive Debt Collectors, let us know. John Watts Birmingham, Alabama 205-879-2447 http://www.alabamaconsumer.com/