This information is not intended as legal advice and may not be used as legal advice. It should not be used to replace the legal advice of your own legal counsel. Any information contained in this material is based on current research into the issues on the specific facts involved herein.

1.      Using obscene or profane language.

2.      Threatening or using violence or criminal means to harm persons or property.

3.      Threatening to take actions that cannot legally be taken or are not intended to be taken.

4.      Threatening that nonpayment will result in arrest or in the seizure of any property unless such action is both lawful and actually contemplated.

5.      Various types of telephone abuse.

6.      Misrepresenting the character, extent, or amount of a debt.

7.      Collecting fees that are not due or not authorized by the consumer’s agreement with the creditor.

8.      Misrepresenting the fees that can be legally added to the consumer’s obligation.

9.      Simulating legal process.

10.  Using a communication that falsely purports to be from an attorney.

11.  Conveying the impression of being vouched for, bonded by, affiliated with, or an instrumentality of a governmental entity.

12.  Threatening to sell the debt or advertising it for sale so as to embarrass the consumer or allegedly limit the consumer’s rights.

13.  Threatening not make or making false accusations that the consumer has committed a crime.

14.      Aiding, abetting, or receiving compensation from an unlicensed collector.