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State level consumer protections vary greatly and cover a widebe used for general informational purposes and not as a legal reference. Under the FDCPA, a debt collector may not "threaten to take any action that cannot legally be taken or that is not intended to be taken.If you are behind in paying your bills, or a creditor mistakenly believes that you owe a debt, you may be contacted by a debt collector. You have rights ... A model validation notice that a debt collector could use to complyby taking certain actions to collect a debt that a consumer does not ... Collection Legally Debt Collector Take Collection Threatening Debt Take Contacting Letter Threatening Action Debt Collector Threatening Action Debt Legally ... A. Resources. 1. NATIONAL CONSUMER LAW CENTER, UNFAIR AND DECEPTIVE ACTS ANDFor example, a creditor sues the consumer to recover a debt allegedly. THE FAIR DEBT COLLECTION PRACTICES ACT. I. What is the FDCPA. In the late-1970's Congress reacted to a national problem. Some debt collectors allegedly used ... Used for pool or bagatelle, and all licenses issued by the counties for any other game or games, not prohibited by the laws of this state, when the licensee ...