What Debt Collection Practices are Forbidden?
Debt collectors may not harass, intimidate, threaten, or embarrass you. Debt collectors may not make false or misleading statements, such as falsely associating themselves with a government office or credit bureau. They may not use misleading or false threats of imprisonment or criminal charges. What to do if a Debt Collector Violates the Act: Keep detailed records of any communication you have with the debt collector. Include time, date, and the name of the person with whom you spoke. Keep a copy of all written correspondence between you and the debt collector. Report the company in writing. Send the report to: Federal Trade Commission Correspondence Branch 600 Pennsylvania, NW Washington, D.C. 20580 or Arkansas Debt Collection Board 523 S. Louisiana, Suite 460 Little Rock, AR 72201 Depending on the conduct of the debt collector, you may have a private cause of action. You may want to consider talking with a private attorney to discuss your options.
