Edited sentence: Debt collection agencies, specifically those who fail to observe the behaviors required by the Federal Fair Debt Collection Practices Act.Defaming various financial service providers, often referring to them (or their practices) as "scum," despite their legal standing.In 2004 Dave Ramsey's column was dropped from the Tennessean, and four other newspapers owned by Gannett, Co.In her book "Jacked: How 'Conservatives' Are Picking Your Pocket",  Author Nomi Prins has criticised Dave Ramsey and other conservative talk radio hosts for "considering themselves "fiscally" conservative, but they don't get the irony of the financial mess they've made of this country's balance sheet during the past six years.Payday lenders, on the basis of their usurious APRs and fees, and.Ramsey had to remove all references to the phrase "When you play with snakes, you get bitten" from his materials out of respect to the family of recently deceased Crocodile Hunter Steve Irwin.Ramsey has been criticized in financial circles for offering misleadingly simplistic solutions to complicated financial issues.after several question senders were misidentified in his column