What Actions Must a Debt Collector Avoid

Even if you owe the money, there are some actions that a debt collector cannot take pursuant to the Fair Debt Collect Practices Act.

1. A debt collector may only contact you between the hours of 8:00 am and 9:00 pm. The debt collector may not contact you at work also.
2. A debt collector may not engage in unfair or shocking methods to collect the debt (ie: threatening criminal prosecution).
3. A debt collector cannot contact the debtor if they know the debt collector is represented by an attorney, unless specific permission is given.
4. A debt collector cannot send documents that look like or resemble legal proceedings unless the court action is actually filed.
5. A debt collector cannot threaten or use violence against the debtor.
6. A debt collector cannot publish a debtor’s name in a public posting.

If you feel that your rights under the Fair Debt Collection Practices Act have been violated, please call us at (801) 432-8682 to discuss your options.