What debt collection practices are prohibited under the FDCPA?
Collection agencies and even attorneys who are working on behalf of a creditor cannot contact a debtor before 8 a.m. or after 9 p.m. Profane language, threats, constant calling and publishing your name are also prohibited. Additionally, phone calls to the debtors place of employment are usually prohibited once the creditor is told not to call there. Importantly, any false statements violate the FDCPA. Telling a debtor she will be arrested or implying she is talking to an attorney (rather than a collection agent) is prohibited. SIDEBAR: Sending fake legal documents or documents that look like a legal filing and meant to convince a debtor she has been sued or a judgment was entered are prohibited.
