Credit Reporting Act || Collection
|| Fair Debt Collection Practices
Fair Debt Collection
If you're contacted by a collection
agency, the Federal government gives you certain rights under
the Fair Debt Collection Practices Act. It requires that debt
collectors treat you fairly and prohibits certain practices.
A debt collector may not:
- Contact you at unreasonable
times or places, such as before 8:00 am or after 9:00 pm, unless
- Contact you at your place of
employment, if your employer disapproves of this practice.
- Use threats of violence or harm
to you, your property or reputation.
- Publish a list of debtors or
advertise your debt.
- Use obscene or profane language.
- Repeatedly use the telephone
to annoy you.
- Telephone without identifying
- Use false statements, including
implying they are attorneys or government agents, imply you committed
a crime, state they operate or work in a credit bureau, indicate
papers they are sending to you are legal forms when they are
not, or that they are not legal forms when they are.
- Tell you that you will be arrested
if you do not pay your debt.
- Cannot threaten to action, such
as garnishing wages or attaching property or undertaking a lawsuit,
unless they intend to do so and it is legal to do so.
- Give false credit information
- Use a false name.
- Collect amounts greater than
your debt, unless allowed by law.
- Deposit post-dated checks prematurely.
- Make you accept collect calls
- Contact you by postcard.
If you believe a debt collector
has violated the law, you can report the violation to your state
Attorney General's office and the Federal Trade Commission. For
specific questions, you can write: Correspondence Branch, Federal
Trade Commission, Washington, DC, 20580.