What actions does the FDCPA specifically prohibit?
– Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information (where the debtor lives, works, phone number, etc.) about the consumer cannot– (1) identify his or her employer unless specifically requested to do so (2) state that such consumer owes any debt; (3) communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information; (4) communicate by post card; (5) use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and (6) If debtor appoints an attorney (or credit counselor, debt negotiator, etc.) communicate with any perso
