Are they calling multiple times a day, contacting your workplace, your neighbors, and your relatives? Are they making threats over the telephone to take your property, garnish your wages, or freeze your bank account?
- Harass you with repeated phone calls
- Use obscene, profane, or abusive language
- Call you before 8 AM or after 9 PM
- Leave a voice mail message regarding a debt
- Threaten to show up at work
- Call you at work if you have told them your employer prohibits such calls
- Discuss your debt with your employer, co-workers, neighbors, friends, or family members
- Call or write you if you have told them you have retained an attorney
- Misrepresent the amount, status, or nature of the debt
- Demand a larger payment than permitted by law
- Fail to identify themselves when they call you
- Threaten violence or damage to your property
- Threaten to have you arrested
- Threaten any action that they do not intend to pursue or cannot pursue.
Debt collectors must comply with a Federal Law called the Fair Debt Collection Practices Act (FDCPA)