The Federal Fair Debt Collection Practices Act (the “Act”) prohibits unfair collection of consumer debts. The following is a summary of a few prohibited debt collection practices:
- Calling you before 8 a.m. or after 9 p.m. local time.
- Contacting you directly after you told the creditor you retained an attorney to represent you.
- Telling your employer or co-worker that you owe money to the creditor.
- Calling you at work after you have told them not to.
- Intentional and continuous harassment or abuse in connection with a debt.
- A creditor’s representative falsely representing that he is an attorney when in fact he is not licensed to practice law.
- Threatening you with arrest or imprisonment for failing to pay a debt.
- Communicating with anyone other than you or your spouse about your debt.
A copy of the complete Act is available at http://www.ftc.gov under Consumer Information.