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According to Fair
Debt Collection Practices Act, every debtor should collect
debts by fair and lawful means.
The debt collection rules are as follows:
- Debt collectors must not harass, oppress or abuse
anyone.
- Debt collectors must not use threats or harm the person,
his property or his reputation.
- Publication of a list of consumers who refuse to pay
their debts is prohibited (except to a credit bureau).
- Usage of obscene or profane language on a person or over
the telephone.
- Repetitive telephone calls to harass the person are also
not allowed.
- Telephone people without identifying themselves or
advertising about your debt.
- Debt collectors should not use any false statements when
collecting a debt.
- Debt collectors may not falsely imply that they are
attorneys or government representatives.
- They are not allowed to falsely imply that you have
committed a crime.
- They are not allowed to falsely represent that they
operate or work for a credit bureau.
- They are not allowed to misrepresent the amount of your
debt.
- They cannot misrepresent the involvement of an attorney
in collecting a debt.
- They cannot indicate that papers being sent to you are
legal forms when they are not and vice-versa.
- They cannot threaten that you will be arrested if you do
not pay your debt.
- They are not allowed to seize, garnish, attach or sell
your property or wages.
- They cannot state that they will take actions, such as a
lawsuit, which legally may not be taken.
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