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Tactics that are not permitted:

• The debt collector cannot repeatedly call you.
• If you request that collectors do not call you at work, they must stop.
• Collectors cannot use foul language or threaten a consumer with violence, seizure of assets, or imprisonment. They cannot use language that is insulting, discriminatory or belittling.
• Without obtaining your permission, collectors are not permitted to tell any person other than yourself, a cosigner, your spouse, or your attorney that you owe a debt.
• The debt collector cannot publish your name and the nature of the debt. They may not threaten to harm your reputation as a measure to collect a debt.
• A debt collector cannot call you or in any way contact you before 8:00 a.m. or after 9 p.m. in accordance with your local time zone.
• A collection agency cannot deposit a post-dated check prior to the date on the check.
• A collection agency cannot collect any amount greater than your debt, unless allowed by law.

• The collector cannot falsely imply that you have committed a crime. They cannot threaten that you will be arrested if you do not pay a debt.
• A debt collector cannot misrepresent who he/she is. The collector may not pretend that he/she is someone else or that he/she represents a business or agency that he/she does not. A collector cannot falsely imply that he/she is an attorney or government representative. They cannot indicate that forms or letters that are sent to you are legal forms if they are not.
• A debt collector may not offer false information to get you to pay a debt. In other words, a collector may not tell you or write to you advising that he/she is going to sue you, garnish your wages, or attach personal property if he does not actually have the intent to do so.
• A collector cannot falsely represent that they work for a credit bureau.

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