CREDITOR HARASSMENT AND COLLECTION ABUSE

Creditor Harassment and Abuse CaN Include:

• Receiving multiple calls from the same debt collector within a brief period. If your phone rings continuously for 20 or 30 minutes, it's considered harassment.
• Being told you will be imprisoned or facing threats designed to intimidate you into paying. Most people in debt aren't at risk of incarceration.
• Threats involving physical harm
• Contacting you through calls or letters during your work hours
• Calls made early in the morning or late at night
• Use of vulgar or offensive language
  

A few things collectors cannot do under the FDCPA are:

• Use threats of harm or obscene language to intimidate you
• Misrepresent the amount you owe
• Threaten you with criminal charges or imprisonment if you don’t pay
• Call or contact you at unsuitable times, such as during the night or early morning
• Reach out to you in inconvenient locations
• Impose unlawful interest or penalties
• Contact you at your workplace despite being asked not to
• Discuss your debt with anyone other than you or your lawyer