The South Carolina Department of Consumer Affairs recently reported that debt collection was the top consumer complaint in the state last year, accounting for 13 percent of the grievances logged by the agency, according to The State newspaper. Consumers, who lodged nearly 5,500 complaints, were able to reclaim a total of $580,000 through refunds, credits and adjustments with the help of the agency's mediation efforts.


According to the Federal Trade Commission, the national level of debt collection-related complaints reached an all-time high last year, with more than 140,000 filed, as reported by insideARM. Although some were generated by the practices of rogue organizations that did not comply with industry standards, this was not the case with all of them.

Several low-cost steps can be taken in order to reduce the number of complaints an agency receives, such as checking in with staff to gauge their reactions to training and make sure that they comprehended the training they received. Their knowledge of the Fair Debt Collection Practices Act and other important legislation should be tested during and after they are trained, as a way to ensure that they have retained the information.