22 Common Debt Collection Tactics Against The Law

Provided by www.micreditlawyer.com

2. Swearing or cursing at you on the telephone.

4. Repeatedly calling your telephone.

5. Calling you at unreasonable times (before 8am or after 9pm).

6. Calling you at work.

7. Threatening to pursue criminal charges against you for failing to pay a bill.

8. Contacting you after they know you are represented by an attorney.

9. Contacting you after you send them a Cease and Desist letter.

10. Leading you to believe he/she is an attorney.

11. Communicating false credit information

14. Accepting or soliciting your check postdated by more than 5 days without 3 business days written notice of intent to deposit.

Photo credit: Flickr user CarbonNYC

15. Causing any charges to be made to you (e.g. collect telephone calls, cell phone minutes usage, etc.).

16. Displaying any language or symbol on the envelope indicating the communication concerns debt collection.

17. Attempting to collect an amount not authorized by contract or permitted by law (for example, a collection agency may not add “collection fees” to a debt if you never agreed to such a charge).

18. Falsely representing to you that criminal action will be taken against you in connection with the debt.

19. Falsely implying affiliation with the United States or any state, including the use of any badge and/or uniform.

20. Sending a collection letter or leaving a voice mail that fails to contain a statement that “This is a communication from a debt collector.”

This statement must be contained in every letter and phone call made by the debt

collector.

21. Failure to communicate to credit bureaus that a debt is disputed.

22. Contacting and disclosing your debt to other people