What A Debt Collector Cannot Do To You

Here’s just a short listing of what debt collectors are barred from doing as they hound you over past due debts:

It’s the law… extracted from the Fair Debt Collection Practices Act, published by the Federal Trade Commission…

Harassment or abuse – A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is not allowed:

(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency.

(4) The advertisement for sale of any debt to coerce payment of the debt.

(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

For additional background, check out this post on FindHow2.com: “Beware The 7 Biggest Lies Bill Collectors Tell To Intimidate You Into Paying Up”