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 is against the law. Repetitive telephone calls to harass the person are also not allowed. Call up people without identifying them in public and without 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 cannot 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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Disclaimer Legal Information Is Not Legal Advice This site provides information about the law designed to help users safely cope with their own legal needs. But legal information is not the same as legal advice -- the application of law to an individual's specific circumstances. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a lawyer if you want professional assurance that our information, and your interpretation of it, is appropriate to your particular situation.
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