What Type Of Debt Collection Practices Are Prohibited ?
Harassment Debt collectors may not harass, oppress, or abuse any person. They may not: • use threats of violence or harm to the person, his/her property, or reputation; • publish a list of consumers who refuse to pay their debts (except to a credit bureau); • use obscene or profane language; • repeatedly use the telephone to annoy someone; • telephone people without identifying themselves; • make anonymous phone calls or charge the debtor for collect calls or telegram fees; • advertise your debt. False statements Debt collectors may not use any false statements when collecting a debt. They may not: • falsely imply that you have committed a crime; • falsely imply that they are attorneys or government representatives; • misrepresent the amount of your debt; • indicate that papers being sent to you are legal forms when they’re not or indicating papers are not legal forms when they are; • state you will be arrested if you do not pay your debt; • state they will seize, garnish, attach, or s
