What can't a creditor do?

  • Contact third parties, other than an attorney or a credit bureau, except to locate you
  • Call you repeatedly or contact you before at an unreasonable time (the law presumes that before
  • 8 a.m. or after 9 p.m. is unreasonable)
  • Contact you at work if your employer prohibits it
  • Use or threaten to use violence
  • Use obscene or profane language
  • Place telephone calls to you without identifying themselves as bill collectors
  • Claim you owe more than you do
  • Claim to be attorneys
  • Claim that you'll be imprisoned or your property will be seized
  • Send you a paper that resembles a legal document, or
  • Add unauthorized interest, fees or charges.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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