I know a lot about this topic. I never heard of a Fair Debt Collection Act. Is that a state law??? There is the Fair Debt Collection Practices Act (FDCPA) which is a federal law, but it only applies to third party debt collectors and not original creditors. Anyway, publicly humiliating a deadbeat is asking for trouble. If you mess around with the wrong type of debtor, you might get sued. There are better ways.