Can collections managers use any means necessary to collect a debt?

The correct answer is that collections managers must follow ethical guidelines when collecting a debt. This is crucial because the collections industry is regulated by laws and ethical standards designed to protect consumers from unfair practices. These guidelines prohibit abusive, deceptive, or harassing behavior. Adhering to ethical standards not only ensures compliance with legal requirements but also promotes a fair and respectful approach to debt collection, maintaining a level of integrity within the profession.

Moreover, the importance of following ethical guidelines lies in the broader context of consumer protection. Violating these principles can lead to legal repercussions for both the collections manager and the agency they represent, as well as create a negative impact on their reputation and that of the industry. It is essential for collections managers to balance the need to recover debts with the obligation to treat debtors respectfully and fairly.