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  • Debt collectors failing to identify themselves (only company name), or failing to state that collector is confirming or correcting locating information

  • Debt collectors disclosing to third parties that debts are owed

  • Contacting any person more than once, unless requested to do so by the third party

  • Contacting any person after knowing you are represented by an attorney

  • Calling you before 8:00am and after 9:00pm, your time

  • Contacting you after you are represented by an attorney (i.e. your Bankruptcy attorney)

  • Calling place of employment after debt collector knows employer prohibits calls (after you say, do not call me at work”)

  • Contacting you, after you, in writing, tell debt collector you are not going to pay debt, or you want collector to cease communication Harassment or Abuse

  • Debt collectors harass, oppress, or abuse any person

  • Threat of Force or criminal means to harm you or your property

  • Using profane language

  • Calling repeatedly

  • Calling you without disclosing identity (“I am a debt collector attempting to collect a debt”)

  • False or Misleading Representations in Communication

  • Attempting to collect more than is owed

  • Implying debt collector is an attorney when it is not.

  • Threatening that the nonpayment will result in imprisonment, garnishment, and attachment.

  • Threatening to sue you when they are not an attorney.

  • Threatening to take any action debt collector doesn’t intend to take or otherwise lying. Robert Healey FREE CONSULTATION (314) 310-8373