Your rights under federal law

  • August 4, 2010 - 8:09 AM


The Fair Debt Collection Practices Act prohibits a wide range of behavior, including:

Making false or deceptive statements in collecting debts.

Threatening to take actions that are not intended.

Using obscene, derogatory or insulting remarks.

Falsely representing the size or the legal status of a debt.

Stating that nonpayment will result in arrest, garnishment or seizure.

Contacting third parties, such as relatives, employers, friends and neighbors.

Calling you at unusual or inconvenient times, including before 8 a.m. and after 9 p.m.

Contacting you at work if the collector should know your employer prohibits personal calls.

Calling without disclosing the collector's identity.

Publishing your name.

Sources: Federal Trade Commission, National Consumer Law Center

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