Debt Collection Law

Debt Collection Laws were established to protect consumers from predatory collection practices. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.

(1)The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by Debt Collection laws known as The FDCPA.Debt Harassment Lawyers | Creditor Harassment Lawyer (

(2)The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days.

Debt Solicitation Law

(3)The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution is a violation of debt collections law.

(4)Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument is a debt collection law.

(5)Causing charges to be made to any person for communications by concealment of the true purpose of the communication is considered a debt collection laws violation.

(6) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property is a violation of Debt Collection Law.

(A) There is no present right to possession of the property claimed as collateral through an enforceable security interest;

(B) There is no present intention to take possession of the property unless a judgment has been rendered. If any threat were to occur this would be a violation of Debt Collection Law.

(C) The property is exempt by law from such dispossession or disablement.

(7) Sending a post card to the consumer’s family member or neighbor and referencing the debt is a violation of Debt Collection Law.

(8) Using any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer .

Debt Harassment Is Illegal

Violating Debt Collection Law is illegal, and Consumers have rights. Learn more about your rights at

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