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My law office does not contact debtors, generally. Debtors call US. And when many of them do, the language they use is abusive. If WE addressed THEM as THEY do US, we would violate whole sections of the FDCPA. And we have this crap on tape. So, let's make the FDCPA- and any state version of this Bolshevik crap- fair. If the DEBTOR uses abusive language, then he/she gets to pay $1,000.00 plus attorney fees. How 'bout them apples? If course this change will never happen.. Barney Frank is too busy testing the privacy of public toilet stalls to give a rat's posterior about credit grantors and their collection agents.