Add Watermark To Legal New Jersey Fair Debt Collections Forms For Free

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.

Section 805(c) of the FDCPA provides that if a consumer has notified a debt collector in writing that "the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate with the consumer with respect to such debt" (with some exceptions not applicable here) ...

Debt collectors are legally required to send you a debt validation letter, which outlines what the debt is, how much you owe and to who, as well as when you need to pay the debt. If you're still uncertain about the debt you're being asked to pay, you can request a debt verification letter to get more information.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress or abuse any person. Prohibits a debt collector from using any false, deceptive or misleading representations to collect debts; or from using any unfair or unconscionable means to collect debts.

§ 808. (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 law.