It is most likely a safe bet that no New Jersey consumer is fond of debt collectors. The practices used by debt collection agencies and other creditors bend -- if not break -- the limits placed on them under the Fair Debt and Collection Practices Act (FDCPA). One woman from the Midwest managed to find a way to stop harassing phone calls from creditors attempting to collect a debt from her that she did not even owe.
She filed a lawsuit against a debt collection agency called Portfolio Recovery Associates LLC for malicious prosecution. Even though she repeatedly told the company that she was not the person who owed the debt, a lawsuit was filed against her. The original lawsuit went on for approximately 15 months before it was dismissed. However, the company threatened to re-file at a later date.