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.

Q: What Kind Of Debt Can Be "Collected"?
A: Any money borrowed or is owed by a debtor. Such as credit cards, loans, mortgages, auto loans, medical bills, household utility accounts, phone bills etc.
Q: Who Is A Debt Collector?
A: A debt collector is anyone, other than the creditor, who regularly collects debts for others.
Q: How May A Creditor Contact The Debtor?
A: A creditor may contact a debtor in person, by mail, telephone or telegram. However, it can't be at inconvenient times or places, such as before 8 a.m. or after 9 p.m. … More
Q: Can A Creditor Be Stopped From Calling The Debtor?
A: Yes, you may stop a creditor from calling you by saying so in writing within 30 days after his first contact. Once you tell the creditor not to call you, the creditor … More