What practices are off limits for our collectors?

Collectors may not harass, oppress, or abuse you or any third parties they contact. They may not:

  • Use threats of violence or harm;
  • Publish a list of names of people who refuse to pay their debts (This information can be given to the credit reporting companies);
  • Use obscene or profane language; and
  • Repeatedly use the phone to annoy someone.

Collectors may not lie when they are trying to collect a debt. They may not:

  • Claim that they are attorneys or government representatives;
  • Claim that you have committed a crime;
  • Represent that they operate or work for a credit reporting company;
  • Misrepresent the amount you owe;
  • Indicate that papers they send you are legal forms if they are not;
  • Indicate that papers they send to you are not legal forms if they are.

Collectors may not state that:

  • You will be arrested if you don’t pay your debt;
  • The creditor will seize, garnish, attach, or sell your property or wages unless the creditor is permitted by law to take the action and intend to do so; or
  • Legal action will be taken against you, if doing so would be illegal or if the creditor does not intend to take the action.

*Portions of this site were adapted from the FTC.gov