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
Using obscene or profane language.
Threatening or using violence or
criminal means to harm persons or property.
Threatening to take actions that
cannot legally be taken or are not intended to be taken.
Threatening that nonpayment will
result in arrest or in the seizure of any property unless such
action is both lawful and actually contemplated.
Various types of telephone abuse.
Misrepresenting the character, extent,
or amount of a debt.
Collecting fees that are not due or
not authorized by the consumer’s agreement with the
Misrepresenting the fees that can be
legally added to the consumer’s obligation.
Simulating legal process.
10. Using a
communication that falsely purports to be from an
the impression of being vouched for, bonded by, affiliated
with, or an instrumentality of a governmental entity.
Threatening to sell the debt or
advertising it for sale so as to embarrass the consumer or
allegedly limit the consumer’s rights.
Threatening not make or making false
accusations that the consumer has committed a crime.
Aiding, abetting, or receiving
compensation from an unlicensed collector.