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.
Additional Creditors Rights Articles
- What Kind Of Debt Can Be "Collected"?
- Who Is A Debt Collector?
- How May A Creditor Contact The Debtor?
- Can A Creditor Be Stopped From Calling The Debtor?