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Laws > FDCPA (2)
FDCPA Restrictions governing debt collectors:
Tactics that are not permitted:
- The debt collector cannot repeatedly call you.
- If you request that collectors do not call you at work, they must stop.
- Collectors cannot use foul language or threaten a consumer with violence, seizure of assets, or imprisonment. They cannot use language that is insulting, discriminatory or belittling.
- Without obtaining your permission, collectors are not permitted to tell any person other than yourself, a cosigner, your spouse, or your attorney that you owe a debt.
- The debt collector cannot publish your name and the nature of the debt. They may not threaten to harm your reputation as a measure to collect a debt.
- A debt collector cannot call you or in any way contact you before 8:00 a.m. or after 9 p.m. in accordance with your local time zone.
- A collection agency cannot deposit a post-dated check prior to the date on the check.
- A collection agency cannot collect any amount greater than your debt, unless allowed by law.
Rules governing false representation:
- The collector cannot falsely imply that you have committed a crime. They cannot threaten that you will be arrested if you do not pay a debt.
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