- 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.
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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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