Contacting you by sending an email to an address that the collector knows is provided by your employer.Using deception to make you accept collect calls or pay for telegrams.Depositing a postdated check prematurely.Collecting any amount greater than your debt, unless permitted by the agreement creating the debt or by law.Repeatedly using the telephone to annoy (e.g., calling you about a particular debt more than seven times within a seven-day period)ĭebt collectors and creditors may not use unfair or unconscionable means to collect a debt.Publishing a list of consumers who refuse to pay their debts (except to a credit bureau).Harassmentĭebt collectors and creditors may not harass, oppress or abuse you or any third parties while collecting a debt. During these third party contacts, debt collectors and creditors may not reveal that you owe any debt. When they know you are represented by an attorneyĭebt collectors and creditors may communicate with third parties only for the purpose of acquiring location information about you.At work, if they know your employer disapproves of such contacts.Using a specific method of communication (e.g., phone calls or texts) after you have requested that they stop communicating with you via that particular method.Via telephone conversation more than once per week concerning a particular debt.Unless they have your prior consent or the express permission of a court, debt collectors and creditors may not communicate with you: More information on the Fair Debt Collection Practices Act, including a summary of how more recent regulations interpreting the Act may impact consumers’ rights, can be found here. The Fair Credit Extension Uniformity Act encompasses the federal debt collection statute, the Fair Debt Collection Practices Act, and provides certain important restrictions on the conduct of debt collectors. This law, effective as of June 26, 2000, prohibits debt collectors and creditors from engaging in certain unfair or deceptive acts or practices while attempting to collect debts. The Fair Credit Extension Uniformity Act regulates the debt collection activities of debt collectors and creditors in Pennsylvania. Home > Get Help > Consumer Advisories > Credit > Fair Debt Collection Practices Fair Debt Collection Practices
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