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Harassing & Abusive Techniques. Debt collectors cannot use harassing, abusive, deceptive, false, or unjust techniques to gather debts.

Harassing & Abusive Techniques. Debt collectors cannot use harassing, abusive, deceptive, false, or unjust techniques to gather debts.

Harassing and abusive techniques consist of:

  • Making use of or threatening to make use of physical violence or any other unlawful way to harm your real individual, reputation, or home;
  • Using obscene, profane, or other language that abuses you;
  • Marketing a financial obligation on the market to coerce re payment;
  • Annoying, abusing, or harassing you by over and over calling your telephone number or permitting your telephone to band constantly;
  • Making phone calls without precisely determining that is calling, except as permitted to get location information;
  • Calling you early in the early morning or belated during the night;
  • Calling you after getting written realize that you will not want further contact;
  • Posting your name on a “bad financial obligation” list (nevertheless, this doesn’t prohibit your debt collector from reporting the debt to a credit rating agency).