Fair Debt Collection Violation Checklist

You don't have to put up with abuse from debt collectors. You also should not be lied to or misled by debt collectors. Unfortunately, this sort of behavior happens all the time. Debt collectors often cross the line and violate the Fair Debt Collection Practices Act. If this is happening to you, please call us at 1-888-542-1900 or send us an email for a free evaluation of your case with a consumer rights attorney.

Consumer Checklist: Prohibited Debt Collector Behavior

In a nutshell, debt collectors cannot harass or lie to you.


  • Making physical threats
  • Swearing
  • Calling you on the phone over and over to annoy you
  • Calling you before 8 a.m. or after 9 p.m. unless you agreed to it
  • Contacting you at work if you told them it's not allowed
  • Publishing your name as someone who refuses to pay a debt (except to the credit reporting agencies)

Lies and misleading statements

  • Claiming to be an attorney or government representative
  • Saying they work for a credit reporting agency
  • Saying you'll be arrested if you don't pay the debt
  • Misrepresenting the amount of debt you owe
  • Using legal-looking forms to make it look like a law firm or the government
  • Not using the proper legal forms if it's a true court-related matter
  • Using a false company or agency name
  • Saying they'll seize, garnish, attach, or sell your property or wages (unless it's truly allowed by law and they plan on doing it)
  • Saying they'll take legal action against you if doing so would be illegal or if they don't really plan on taking legal action

Unfair practices

  • Collecting any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt (or state law) allows it
  • Depositing a post-dated check early
  • Taking (or threatening to take) your property unless it can be done legally
  • Contacting you by postcard

Contact a Billbusters, Ledford, Wu & Borges, LLC Lawyer Today

This is a general checklist of illegal debt collector behavior. Chances are you have more questions if you think you're being harassed or lied to by an abusive debt collector. Call us at 312-651-4200 or contact us online. In your free case evaluation, we'll help answer your questions and help you make an informed decision.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.