The Federal Fair Debt Collection Practices Act, 15 USC § § 1692-1692p, and provides guidance severe penalties for debt collectors prohibited. For example, after the debt collection practices are:
Repeated phone calls to nuisance, abuse, or harass the debtor;
Call the debtor at work when the debt collector has reason to know that the employer the debtor to receive such calls;
Call employers, friends or family when it knows how to communicate with the debtor;
Call employers, friends or family to inform them that the call involves collecting a debt;
Repeated calls to the debtor's employer, friends or family;
Call before 8 am and after 21:00 unless the debtor agrees;
Making false or misleading;
Misrepresent the amount or nature of the> Of the debt;
Threatening legal action, legally, can not be taken as an example of how a threat of arrest or prosecution;
Threatening to take the debtor's social security or protection of other income;
The threat of seizure of goods such as furniture family
Threatening to send false information to the commercial information agencies;
Posing as a lawyer or work for a credit bureau or government;
The attempt to collect interest, fees or other costs thatdebt or not authorized by state law;
Sending documents that appear to the defendant legal documents when they are not;
Claiming that the forms sent to the debtor are not legal documents that are;
Consumer publication name or address on a "bad debt" list;
Using language that is profane or abusive;
Make calls without disclosing the identity of the caller;
Contact the debtor by postcard or otherwise indicating to others thatcommunication is a debt collection and
Threatening violence.
In addition to the Federal Fair Debt Collection Practices, several states have passed statutes of debt, such as Texas Collection Practices Act, which prohibits the threat and coercive collection tactics, abusive. Some of these state laws are strict and expect more severe sanctions thatFederal Fair Debt Collection Practices Debt.
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