What are the federal and state laws that apply to my collection efforts ?
Debt collectors may not harass, oppress or abuse any parties they contact. For example, they may not:
- Use threats of violence or harm.
- Publish a list of consumers who refuse to pay their debts (except to a credit bureau).
- Use obscene or profane language.
- Repeatedly use the telephone to annoy someone.
Debt collectors may not use false or misleading statements when collecting a debt. For example, they may not:
- Falsely imply that they are attorneys or government representatives.
- Falsely imply that you have committed a crime.
- Falsely represent that they operate or work for a credit bureau.
- Misrepresent the amount of your debt.
- Indicate that papers being sent to you are legal forms when they are not.
- Indicate that papers being sent to you are not legal forms when they are.
Debt collectors may not state that:
- You will be arrested if you do not pay your debt.
- They will seize, garnish, attach or sell your property or wages, unless the collection agency or creditor intends to do so, and it is legal to do so.
- They will take actions, such as a lawsuit, against you, when such action may not legally be taken or when they do not intend to take such action.
Debt collectors may not:
- Give false credit information about you to anyone, including a credit bureau.
- Send you anything that looks like an official document from a court or government agency when it is not.
- Use a false name.
Dentist Problems In Billing Forms With Patients
Common questions & answers with patients insurance collections and dental benefits plans.