1. – Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. They can’t use threats of violence or harm, use obscene or profane language or repeatedly use the phone to annoy someone.
2. – False statements. (Part 1) Debt collectors may not lie when they are trying to collect a debt, falsely claim that they are attorneys or government representatives, falsely claim that you have committed a crime, falsely represent that they operate or work for a credit reporting company.
3. – False statements. (Part 2) Debt collectors may not lie when they are trying to collect a debt: they may not: misrepresent the amount you owe, indicate that papers they send you are legal forms if they aren’t or indicate that papers they send to you aren’t legal forms if they are.
4. – They are prohibited from saying that: you will be arrested if you don’t pay your debt; they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.
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5.- Debt collectors may not: give false credit information about you to anyone, including a credit reporting company; send you anything that looks like an official document from a court or government agency if it isn’t; or use a false company name.
6. – Debt collectors may not: try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge; deposit a post-dated check early; take or threaten to take your property unless it can be done legally; or contact you by postcard.