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Roaman’s Credit Card Debt Collectors. Consumer Law Firm Center Many people have fallen prey to unethical debt collectors and ended up paying debts they didn’t owe. This is usually due to the intimidating approach of these debt collectors. Telephone Consumer Protection Act, and also of the FDCPA. A court of law may find they violated your rights under the TCPA, the FDCPA, or both and have them pay statutory damages to you.