Harassment by debt collectors is ILLEGAL

The Fair Debt Collection Practices Act (15 U.S.C. §§ 1692-1692p) is a law designed to PROTECT YOU from CREDITORS, BILL COLLECTORS and DEBT COLLECTION AGENCIES.

A debt collector cannot:

Telephone you an unreasonable number of times

Telephone you at an unusual time/ unusual place

Disclose information of your debts to third parties

Use profane or other abusive language

Contact you after written notification that you do not want to be contacted

Claim to be affiliated with any governmental organization

Misrepresent the character, amount or legal status of a debt

Threaten of to take any action that cannot be taken legally

Accuse you having committed a crime

Threaten or communicate false credit information

Attempt to collect, until she/he honors your request to validate

Use deceptive methods to collect debts

Call you before 8:00 a.m. or after 9:00 p.m.

Call you, but not announce who he/she is

.....and more

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