Things
that third part collectors can not do:
Call
you on the phone late at night or very early in the morning.
Call you if they know you have an attorney. They must communicate
with the attorney instead.
Call
you at work if the bill collector knows your employer prohibits
such calls.
Use
or threaten to do violence or harm to you, a member of your
family, your reputation, or property.
Use
offensive or abusive language.
Publish
or threaten to publish lists of debtors who refuse to pay
bills.
Say
things about the amount of legal status of any debt that are
not true.
Try
to collect any money that is not legally owed.
Threaten
to put you in jail for failure to pay your debt.
Threaten
to take any of your wages, income, or property unless the
action threatened is lawful and the bill collector intends
to take that action.
Falsely
claim to be an attorney.
Use
any papers that look like they were made by a court or government
office.
Use
false or misleading information.
Charge amounts, including interest or fees,
unless the law or contract allows for it.
Send the consumer a postcard or envelope that
shows to other people that it is a debt collection.
Use any harrassing, abusive, or deceitful
means to collect a debt.
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