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.

Q: Can a creditor add interest to a debt?
A: Yes. The FDCPA allows a collector to add interest to a debt if the original agreement calls for the addition of interest during collection proceedings or the addition … More
Q: What Can A Creditor Do Before Going To Court?
A: Before obtaining a court judgment, a bill collector generally has only oneway of getting paid: demand payment. This is done with calls and letters. However, once … More
Q: When can a creditor garnish wages?
A: For the most part, a creditor must sue, obtain a court judgment and then solicit the help of a sheriff or other law enforcement officer to garnish wages. Even then, a … More
Q: How Can Wages Be Garnished?
A: • In three situations wages may be garnished before you sue: The IRS can take everything but about $100 a week. The Department of Education or a state guarantee … More