• Debt collectors failing to identify themselves (only company name), or failing to state that collector is confirming or correcting locating information
• Debt collectors disclosing to third parties that debts are owed
• Contacting any person more than once, unless requested to do so by the third party
• Contacting any person after knowing you are represented by an attorney 
• Calling you before 8:00am and after 9:00pm, your time
• Contacting you after you are represented by an attorney (i.e. your Bankruptcy attorney)
• Calling place of employment after debt collector knows employer prohibits calls (after you say, do not call me at work”)
• Contacting you, after you, in writing, tell debt collector you are not going to pay debt, or you want collector to cease communication Harassment or Abuse
• Debt collectors harass, oppress, or abuse any person
• Threat of Force or criminal means to harm you or your property
• Using profane language
• Calling repeatedly
• Calling you without disclosing identity (“I am a debt collector attempting to collect a debt”)
• False or Misleading Representations in Communication
• Attempting to collect more than is owed
• Implying debt collector is an attorney when it is not.
• Threatening that the nonpayment will result in imprisonment, garnishment, and attachment.
• Threatening to sue you when they are not an attorney.
• Threatening to take any action debt collector doesn’t intend to take or otherwise lying. Robert Healey FREE CONSULTATION 314-481-7778

For More Information, Please Visit the Swaney Law Firm website