FTC / FDCPA – What are debt collectors not allowed to do?

Compliance > FDCPA
Q:  What are debt collectors not allowed to do?
 
A:  They can’t harass you. For example, they can’t:
 
   • threaten you with violence or harm
 
   • use obscene or profane language
 
   • repeatedly use the phone to annoy you
 
They can’t lie. For example, they can’t:
 
   • misrepresent the amount you owe
 
   • lie about being attorneys or government representatives
 
   • falsely claim you’ll be arrested, or claim legal action will be taken against you if it’s not true
 
They can’t engage in unfair practices. For example, they can’t:
 
   • try to collect interest, fees, or other charges on top of the amount you owe, unless the original
     contract or your state law allows it 
 
   • deposit a post-dated check early 
 
   • take or threaten to take your property unless it can be done legally 
 
 
 
The FTC enforces the Fair Debt Collection Practices Act (FDCPA), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.  This Q&A was obtained from Federal Trade Commission’s Debt Collection FAQs which may be found here:  https://www.consumer.ftc.gov/articles/debt-collection-faqs
 
 

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