22 Common Debt Collection Tactics Against The Law
-
Upload
michigan-consumer-credit-lawyers -
Category
News & Politics
-
view
155 -
download
0
description
Transcript of 22 Common Debt Collection Tactics Against The Law
![Page 1: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/1.jpg)
22 Common Debt Collection Tactics Against The Law
Provided by www.micreditlawyer.com
![Page 2: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/2.jpg)
![Page 3: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/3.jpg)
![Page 4: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/4.jpg)
![Page 5: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/5.jpg)
2. Swearing or cursing at you on the telephone.
![Page 6: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/6.jpg)
![Page 7: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/7.jpg)
4. Repeatedly calling your telephone.
![Page 8: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/8.jpg)
5. Calling you at unreasonable times (before 8am or after 9pm).
![Page 9: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/9.jpg)
6. Calling you at work.
![Page 10: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/10.jpg)
7. Threatening to pursue criminal charges against you for failing to pay a bill.
![Page 11: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/11.jpg)
8. Contacting you after they know you are represented by an attorney.
![Page 12: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/12.jpg)
9. Contacting you after you send them a Cease and Desist letter.
![Page 13: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/13.jpg)
10. Leading you to believe he/she is an attorney.
![Page 14: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/14.jpg)
11. Communicating false credit information
![Page 15: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/15.jpg)
![Page 16: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/16.jpg)
![Page 17: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/17.jpg)
14. Accepting or soliciting your check postdated by more than 5 days without 3 business days written notice of intent to deposit.
Photo credit: Flickr user CarbonNYC
![Page 18: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/18.jpg)
15. Causing any charges to be made to you (e.g. collect telephone calls, cell phone minutes usage, etc.).
![Page 19: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/19.jpg)
16. Displaying any language or symbol on the envelope indicating the communication concerns debt collection.
![Page 20: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/20.jpg)
17. Attempting to collect an amount not authorized by contract or permitted by law (for example, a collection agency may not add “collection fees” to a debt if you never agreed to such a charge).
![Page 21: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/21.jpg)
18. Falsely representing to you that criminal action will be taken against you in connection with the debt.
![Page 22: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/22.jpg)
19. Falsely implying affiliation with the United States or any state, including the use of any badge and/or uniform.
![Page 23: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/23.jpg)
20. Sending a collection letter or leaving a voice mail that fails to contain a statement that “This is a communication from a debt collector.”
This statement must be contained in every letter and phone call made by the debt
collector.
![Page 24: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/24.jpg)
21. Failure to communicate to credit bureaus that a debt is disputed.
![Page 25: 22 Common Debt Collection Tactics Against The Law](https://reader036.fdocuments.in/reader036/viewer/2022062419/558b2712d8b42a27188b45d6/html5/thumbnails/25.jpg)
22. Contacting and disclosing your debt to other people