What Are Debt Collectors PROHIBITED From Doing?

Debt collectors are not allowed to harass or abuse anyone in connection with collection of a debt, and they cannot lie when they are trying to collect a debt. Common examples of debt collector violations include:

  • Calling your friends, relatives, and neighbors to tell them you owe a debt;
  • Calling your employer to tell them you owe a debt;
  • Falsely threatening you with a law suit;
  • Threatening to have you arrested or implying you will be arrested;
  • Using profane or abusive language;
  • Calling you before 8:00 a.m. or after 9:00 p.m.;
  • Threatening to send law-enforcement officials to your home or place of employment;
  • Falsely threatening to seize your belongings or garnish your wages;
  • Threatening to sue you for a debt that is no longer legally collectable;
  • Suggesting that your failure to pay a debt is a criminal act;
  • Making any false, deceptive, or misleading statements to you;
  • Falsely claim you have committed a crime;
  • Misrepresent the amount you allegedly owe;
  • Indicate the papers they sent you were legal documents when they were not.
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