- 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.
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