Debt Collection: Playing Fair

CURE, Spring 2008, Volume 7, Issue 1

Under the Fair Debt Collections Protection Act, debt collectors must follow certain guidelines.

Under the Fair Debt Collections Protection Act, debt collectors may not:

>

Use threats of violence or harm.

>

Use obscene or profane language; or repeatedly use the telephone to annoy someone.

>

Use any false or misleading statements when collecting a debt, like saying you will be arrested if you do not pay your debt.

>

Contact you before 8 a.m. or after 9 p.m., unless you agree.

>

Contact you at work if the collector knows that your employer disapproves.

>

Contact you more than once after you write them a letter stating not to contact you.

SOURCE: Federal Trade Commission