What Types Of Creditor Practices Are Prohibited?

A creditor may NOT:

  • Tell anyone that you owe money;
  • Send or put anything on an envelope that identifies the writer as a debt collector;
  • Use threats of violence to harm anyone or anyone's property or reputation;
  • Falsely imply that the debt collector represents the United States government or any state government;
  • Use any false name;
  • Falsely imply that the debt collector is an attorney or represent that papers are legal forms, when they are not;
  • Falsely imply that you committed any crime;
  • Falsely represent that the debt collector operates or works for a credit bureau; or
  • Falsely give CREDIT INFORMATION about you to anyone.

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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