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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.

§ 1692e, as well as several examples of unfair practices, 15 U.S.C. § 1692f. The FDCPA also provides, for example, that debt collectors may not harass or annoy debtors, may not threaten debtors with arrest, and may not threaten legal action unless litigation actually is being contemplated.

Make sure you have a valid reason for sending the person to collections. This usually means that they have failed to pay their debt after multiple attempts to contact them and resolve the issue. Try to work out a payment plan with the customer. ... Send a formal demand letter. ... Choose a collections agency.

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

To dispute a debt, you must send a debt verification letter to the debt collector. These terms can be confusing, but think of a debt verification letter as your way of saying that you intend to dispute the debt. Debt collectors send debt validation letters; debt verification letters are sent in response to one.

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.