Now of course that is not surprising. Especially in states like Texas where garnishment is difficult or impossible, I would assume that debt collectors are the motivation for most people filing bankruptcy. Not for the fact that debt is owed and unpaid, but because of the harsh and repeated tactics the debtors are trying to avoid.
According to HuffPo's reporting, according to the National Association of Attorneys General (NAAG), more complaints were filed last year against debt collectors than any other industry. This was unchanged from the same survey conducted in 2007. Further, "Debt collectors generate more complaints than any other industry," according to the Federal Trade Commission's Web site. In a February report on the industry, the FTC cited "major problems" and "recognized that certain debt collection litigation and arbitration practices appear to raise substantial consumer protection issues."
It should be no secret that most debt collectors serve no real purpose other than that of harassment. Sometimes it is subtle but, as indicated in this article, much of the time it is not. More importantly, from a bankruptcy standpoint, debt collectors do not know how, or do not care, to shut down the machine of collect activity just because a bankruptcy is filed. You see this all of the time. The bankruptcy is filed, the case and the existence of the stay is noticed out, but the inappropriate actions continue. Often these inappropriate actions continue even when placed on notice to stop violating the stay by the bankruptcy attorneys.
Why is this so?
Most likely for the same reason that debt collectors represent the largest number of complaints to the various AGs and the FTC. They do not make money if they are not stepping over the line.
Another way to look at it is that these are generally large organizations with people working in undesirable jobs. It takes a lot of effort and manpower to get the collection machine moving. And, as collectors will argue, all they hear are hard luck stories or reasons why they should not be calling. So, they are trained to ignore these issues and continue on. This often gets them in trouble both inside and outside of the bankruptcy context.