Prohibited Tactics Of Collectors Legally

• Calling before 8 am or after 9 pm or constantly using the telephone to harass you.

• Depositing a post-dated check prematurely.

• Using profane language.

• 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.