The voice on the other end churned, belched and churned anew, underscoring its owner\u2019s dubious position on somebody\u2019s food chain. A collections agent had come to call, triumphal in his having tracked me down and insistent that I was the central figure in some kind of fraud scheme\u2014nobody in the history of the universe, after all, has mistakenly closed a checking account with an item floatin\u2019 around out there. I was Jack the Ripper, Bruno Hauptmann and Chuckie Manson all in one, and The Lone Ranger would now intercede in the spirit of truth, justice and what\u2019s left of The American Way. Except for one thing: Tonto\u2019s homie got a little frisky after our first conversation, which featured his gruff reminder about the matter. Not long after I\u2019d agreed with his contention, he proceeded to contact a third party and was prepared to question her about garnishment proceedings\u2014all in violation of Sections 804 and 805 of the federal Fair Debt Collection Practices Act (note also that a quick Google search revealed he was calling from a “suspicious” number). Turns out he\u2019s only permitted to get hold of other persons in order to establish a debtor\u2019s whereabouts; anything else is a violation of civil rights and unfairly drags disinterested parties into the fray. I was exceedingly polite to this guy\u2019s superior as I explained my side. And to his credit, he returned my kindness every step of the way. “I\u2019ll order [Tonto\u2019s homie] to cease and desist,” he said sweetly, helping me map out payment arrangements and conveying his secondhand apologies to the third party. All was shiny and new in Collection Land as The Lone Ranger was unmasked for what he was. Now that that touch of unpleasantness is consigned to history, there\u2019s time to reflect on the heart of the matter, namely how it materialized in the first place. Easy, you say. Westlin should\u2019ve been on top of the whole thing from day one, because his name is on the bill. Right you are, pally. I offer no excuses for inadvertently behaving otherwise. But here\u2019s the point: This agent had blatantly run roughshod over both me and the situation, as if his conduct routinely ran afoul of the law. Surely, he must have known something of the Practices Act, as did his supervisor; it dates all the way to 1978 and is the nation\u2019s central legal safeguard against abusive reporting \u00adprocedures. In fact, I\u2019ll give him the benefit of the doubt and assume he did know what he was doing is illegal. That leaves us\u2014you and me\u2014responsible for his actions amid our ignorance of the law. In this instance, “ignorance” means something far more portentous than lack of information. It goes to the choices we make about the insidious factors in our lives, the relatively small encounters that, if heeded, add up to big victories for the democracy we know and share. Ignore them, and you ignore everything in their paths, including the civil rights we\u2019ve slowly relinquished over a generation and more. Violation of due process; \u00adviolation of equal protection; violation of state sovereignty; violation of natural human rights: Such transgressions are the order of the day in the early 20th century. States can\u2019t sue if the feds break their laws. Deregulation has co-opted bona fide legal clout onto bodies and agencies those laws were meant to govern. Everybody from Shakespeare to deTocqueville to Hunter Thomp\u00adson has said it in one way or another: In a democ\u00adracy, people pretty much get the government they deserve. If that\u2019s true (and I firmly believe it is), then we\u2019ve led ourselves to the dark side of our democracy amid our indolence. I truly wish Tonto\u2019s main man the best in his endeavors (once he rechannels them), and I\u2019m grateful that his supe sought to intervene in my behalf. The latter\u2019s action showed me that at least one small corner of the nation adheres to the checks-and-balances concept through which we supposedly police ourselves. But if this agent can nearly get away with something through a simple misguided attempt at it, what\u2019s to prevent a similar effort by somebody with far more lethal clout? We\u2019re all supposedly equal under the law, after all. One man\u2019s collections agent may one day become another\u2019s totalitarian legislator, and we\u2019d never know the difference.<\/p>","protected":false},"excerpt":{"rendered":"
The voice on the other end churned, belched and churned anew, underscoring its owner\u2019s dubious position on somebody\u2019s food chain. A collections agent had come to call, triumphal in his having tracked me down and insistent that I was the central figure in some kind of fraud scheme\u2014nobody in the history of the universe, after […]<\/p>","protected":false},"author":726,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"11556","_seopress_titles_title":"The bigger picture: Your lack of information as a consumer might reflect your fate as a citizen","_seopress_titles_desc":"","_seopress_robots_index":"","jnews-multi-image_gallery":[],"jnews_single_post":[],"jnews_primary_category":[],"jnews_social_meta":[],"jnews_override_counter":[],"footnotes":""},"categories":[11556,11593,11552,11550],"tags":[],"class_list":["post-299374","post","type-post","status-publish","format-standard","hentry","category-downtown-news","category-no-images","category-opinion","category-top-stories"],"_links":{"self":[{"href":"https:\/\/test.sdnews.com\/es\/wp-json\/wp\/v2\/posts\/299374","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/test.sdnews.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/test.sdnews.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/test.sdnews.com\/es\/wp-json\/wp\/v2\/users\/726"}],"replies":[{"embeddable":true,"href":"https:\/\/test.sdnews.com\/es\/wp-json\/wp\/v2\/comments?post=299374"}],"version-history":[{"count":0,"href":"https:\/\/test.sdnews.com\/es\/wp-json\/wp\/v2\/posts\/299374\/revisions"}],"wp:attachment":[{"href":"https:\/\/test.sdnews.com\/es\/wp-json\/wp\/v2\/media?parent=299374"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/test.sdnews.com\/es\/wp-json\/wp\/v2\/categories?post=299374"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/test.sdnews.com\/es\/wp-json\/wp\/v2\/tags?post=299374"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}