According to the Fair Debt Collection Practices Act (FDCPA), collectors are not permitted to:
- Harass, oppress, or abuse you.
- Continue collection efforts after you write them to stop.
- Contact you after representation by an attorney.
- Threaten IRS reporting or tax consequences, if untrue.
- Threaten a lawsuit when none is intended.
- Call your cell phone without permission.
- Place private, personal information that is visible through, or on, a mailing envelope.
- Misrepresent, miscalculate, or inflate the amount of the debt.
- Fail to disclose that they are a debt collector.
- Contact you after 9pm or before 8am, unless you have requested that they do so.
- Threaten legal action, or sue, on a time-barred or "stale" debt.
- Threaten wage garnishment for most debts (Not legal in Pennsylvania).
- Represent that they operate or work for a credit bureau.
- Provide inaccurate or false information to the credit bureau.
- Continue collection after filing for bankruptcy.
- Continue collection after writing and telling them to stop.
- Fail to report your disputed debt as disputed to the credit bureaus
If a collector violates the FDCPA, it's considered debt collection harassment and you may be able to take legal action. Contact a debt collection lawyer to review your case.