A creditor may NOT:
- Tell anyone that you owe money;
- Send or put anything on an envelope that identifies the writer as a debt collector;
- Use threats of violence to harm anyone or anyone’s property or reputation;
- Falsely imply that the debt collector represents the United States government or any state government;
- Use any false name;
- Falsely imply that the debt collector is an attorney or represent that papers are legal forms, when they are not;
- Falsely imply that you committed any crime;
- Falsely represent that the debt collector operates or works for a credit bureau; or
- Falsely give CREDIT INFORMATION about you to anyone.
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