When will someone crack down on these illegal tactics?

The government doesnt have the time or resources to go chasing after every new CA that pops up....it is up to the consumer to be educated and to pursue their legal rights under the FDCPA>

I agree that the state and federal authorities don't have the time or the resources to hunt rogue or illegal CAs but the least they can do is step up their litigation efforts and tighten licensing criteria for these bad seeds. Moreover, there should be some law against outsourcing collection calls. Neither do the people making calls from these countries know the law, nor do they care for it or for the people they are calling. Moreover, being stationed overseas exempts them from federal laws.

Which is exactly why they do what they do. Outsourcing is here to stay - because Americans will NOT work for $5 per day. It's business, plain and simple.

your point about the federal authorities not being able to take action is flawed as the FTC does take action,but their has to be a lenghty pattern of behavior and alot of complaints.case in point:the heathmill group.a group of UK lenders that in 2009 was taken down by the FTC,and british authorities.as for the licensing laws.your point is right on.not enough states require collection agencies to be licensed.some do,but not enough.that is why i always advise filing FTC complaints.they will act,and are acting.like they are now investigating certain "tribal lenders".so people need to let their voices be heard,or nothing will happen to these bottomfeeders.

I'd also suggest that the public be made more aware of the dangers of getting involved with payday loans in the first place; public service announcments, townhall meetings, whatever it takes. Perhaps if fewer and fewer people would take out these loans, it might put some of the companies out of business? I definitely think the US Government should be allowed to go after those so-called "tribal" companies. Didn't someone here post at one time that one of their addresses was actually out of the back of a cigarette store on Indian land? Sounds like the tribes are just renting them an address! Unless they can prove that the lenders are actually part and parcel of the Indian tribes of the land they're using as an address, they should be liable for prosecution.

I read an interesting story from ABC news on how a woman fought back with an abusive debt collection agency.

http://abcnews.go.com/US/va-woman-fights-collect-10-million-debt-collectors/story?id=16205697#.T5ljQquiG3t