Prohibited Tactics Of Collectors Legally
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What Tactics Are Collectors Legally Prohibited From Using?
The Fair Debt Collection Act specifies the rights of both creditors and debtors. If you have been subjected to any of the actions noted below, you are the victim of creditor harassment per the FDCA regulations. Collectors are prohibited from -
- Calling before 8 am or after 9 pm or constantly using the telephone to harass you.
- Depositing a post-dated check prematurely.
- Giving false information of any type concerning your account to anyone else.
- Stating they are attorneys or work for one of the credit bureaus.
- Suggesting or implying that you have committed a crime.
- Telling you that you owe more than your true debt balance.
- Labeling forms or letters sent to you as though were from a court or government agency.
- Convincing you to pay amounts greater or less than debt amount in settlement of the balance.
- Threatening to take your property (without a legal foreclosure process).
- Attempting to contact you via postcard or with transparent envelopes.
Remember, your creditors are also protected under the Act and have debt collection rights to take all legal actions available to collect the balance you owe them.