Creditors Rights Law

What can't a creditor do?

  • Contact third parties, other than an attorney or a credit bureau, except to locate you
  • Call you repeatedly or contact you before at an unreasonable time (the law presumes that before
  • 8 a.m. or after 9 p.m. is unreasonable)
  • Contact you at work if your employer prohibits it
  • Use or threaten to use violence
  • Use obscene or profane language
  • Place telephone calls to you without identifying themselves as bill collectors
  • Claim you owe more than you do
  • Claim to be attorneys
  • Claim that you’ll be imprisoned or your property will be seized
  • Send you a paper that resembles a legal document, or
  • Add unauthorized interest, fees or charges.