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Specifically, the rule states that a debt collector cannot: Make more than seven calls within a seven-day period to a consumer regarding a specific debt. Call a consumer within seven days after having a telephone conversation about that debt.

False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Generally, a collection agency can't engage in conduct meant to harass, oppress, or abuse. Specifically, it can't: use or threaten to use violence or other criminal means to harm you, another person, or your or another person's reputation or property. use obscene, profane, or abusive language.

The Fair Debt Collection Practices Act says debt collectors can't harass, oppress, or abuse you or anyone else they contact. For example, debt collectors can't: Make repeated phone calls that are intended to annoy, abuse, or harass you or any person answering the phone. Use obscene or profane language.

The FDCPA applies only to the collection of debt incurred by a consumer primarily for personal, family, or household purposes. It does not apply to the collection of corporate debt or to debt owed for business or agricultural purposes.

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.

1. Harassment and Abusive Language. Among the most common FDCPA violations, harassment sits as one of the worst. Debt collectors may employ aggressive tactics in the hopes that you will become afraid and agree to pay the debt, just to end the abuse.

This rule states that a creditor must not contact the person who owes them money more than seven times within a 7-day period. Also, they must not contact the individual within seven days after engaging in a phone conversation about a particular debt.

How long before a debt becomes uncollectible? It depends on the statute of limitations in your state. Typically, this is a period between three and six years. However, it may extend beyond that in some cases.