12 things a debt collector cannot do:
Contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree;
Contact you at work if he/she knows that your employer disapproves of such contacts;
Use obscene language;
Repeatedly use the telephone to annoy you;
Make false or misleading statements or writings, such as falsely implying that he is an attorney or government representative, that you have committed a crime, or that he represents a credit bureau;
State that you will be arrested if you do not pay your debt;
Send you anything that looks like an official document from a court or government agency when it is not;
Use a false name;
Deposit a post-dated check prematurely;
Deceptively make you accept collect calls or pay for telegrams;
Contact you by postcard;
Apply a payment you have made on one debt to another debt without your approval.
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