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.
Additional Creditors Rights Articles
- Can a Creditor Add Interest to a Debt?
- What Can A Creditor Do Before Going To Court?
- When can a creditor garnish wages?
- How Can Wages Be Garnished?