Debt Collector False
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A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of a debt. This includes threatening to take action the debt collector can not legally take or does not intend to take.
Wording possibly constituting a threat includes:
Examples of permissible actions a debt collector may not take unless they intend to do so:
Examples of impermissible actions:
Lack of intent may be inferred if the amount of the debt is too small for the action to be feasible or when the debt collector has threatened an action their employer or the original creditor has not authorized them to take.
- View Notice to Debt Collector - Unlawful Messages to 3rd Parties
- View Notice to Debt Collector - Use of Abusive Language
- View Notice to Debt Collector - Falsely Representing a Document is Legal Process
- View Notice of Violation of Fair Debt Act - Improper Contact at Work
- View Notice of Violation of Fair Debt Act - False Information Disclosed
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