What types of debt collection practices are not allowed?

What types of debt collection practices are not allowed?


Debt collectors may not harass, oppress or abuse you or any third parties they contact. For example, debt collectors may not use threats of violence or harm:

1.)    Publish a list of consumers who refuse to pay their debts (except to a credit bureau)

2.)    Use obscene or profane language.

3.)    Repeatedly use the telephone to annoy someone.

4.)    Call before 8:00 am or after 9:00 pm.

False Statement

Debt collectors may not use any false or misleading statements when collecting a debt. For example, debt collectors may not:

1.)    Tell you that they are attorneys or government representatives, when in fact they are not.

2.)    Falsely imply that you have committed a crime.

3.)    Misrepresent that they operate or work for a credit bureau.

4.)    Misrepresent the amount of your debt.

5.)    Indicate that papers being sent to you are not legal forms when they in fact are.

6.)    State that you will be arrested if you do not pay your debt.

7.)    Threaten to seize, garnish, attach or sell your property or wages, unless the collection agency or creditor intends to do so, and it is a legal action.

8.)    Threaten that actions, such as a lawsuit, will be taken against you, when such action may not be taken or when they do not intent to take such action.

In addition, debt collectors may not:

1.)    Give false credit information about you to anyone, including a credit bureau.

2.)    Send you anything that looks like an official document from a court of government and is not an official document.

3.)    Use false names in their attempts to collect your debt.


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