What Things Can't A Collection Agency Do?

  • publish lists of people who owe money; use a badge or uniform of a law enforcement agency or claim to be from a government agency;
  • use documents which look like court or government documents, telegrams, or emergency messages;
  • make collect phone calls or send collect telegrams;
  • violate postal regulations;
  • threaten to add charges that aren't legal, for example, an interest rate higher than the rate in the original contract;
  • garnish wages or take debtors home or possessions without a court judgment, however, an exception exists for federally guaranteed student loans that are in default. A federal law provides for an administrative garnishment up to 10% of the debtor's pay, or;
  • threaten to have a debtor put in jail for bad debt.

Speak to an Experienced Creditors Rights Attorney Today

This article is intended to be helpful and informative. But even common legal matters can become complex and stressful. A qualified creditors rights lawyer can address your particular legal needs, explain the law, and represent you in court. Take the first step now and contact a local creditors rights attorney to discuss your specific legal situation.

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