But while learning FDCPA rules isn't overly difficult, it's also beyond the wherewithal of the most distressed debtors (and people falsely accused of being debtors). McKenzie recounts that many of the people he helped were living under chaotic circumstances that put seemingly simple things "like writing letters and counting to 30 days" beyond their needs.
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This means the people best able to defend themselves against illegal shakedowns are less likely to be targeted. Instead, collectors husband their resources so they can use them "to do abusive and frequently illegal shakedowns of the people the legislation was meant to benefit."
Here's how the market works. If you become delinquent in meeting your credit card payments ("delinquent" has a flexible meaning, varying with each issuer), then your debt will be sold to a collector.
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