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§ 804 (1)
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Debt collector informs a person other than consumer that
he is a debt collector without the information being expressly requested.
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§804 (2)
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Debt collector informs party other than consumer that a debt is owed
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§ 804 (3)
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debt collector communicates with any such person
more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier
response of such person is erroneous or incomplete and that such person now has correct or complete location information
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§ 804 (4)
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communicates by post card
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§ 804 (5)
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Debt Collector uses any language or symbol on any envelope or in the contents
of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business
or that the communication relates to the collection of a debt
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§ 804 (6)
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Debt collector communicates with any person other than the consumers
attorney, unless the attorney fails to respond within a reasonable period of time to the communication from the debt collector.
This only applies if you have informed the debt collector that this attorney is representing you in this matter and you have
provided the attorneys name, address and number.
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§ 805 (1)
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Debt collector calls at any unusual time or place or a time or place known
or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary,
a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antimeridian
and before 9 o'clock postmeridian, local time at the consumer's location
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Debt collector calls you at your place of employment if the debt collector
knows or has reason to know that your employer prohibits the you from receiving such communication
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§ 805 (c) (1) (2) (3)
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If you sent the debt collector a letter advising him to cease and desist
ALL communication and they called more than once or, for a reason other than to: advise
efforts are being terminated inform you that they may or may not plan on invoking
a specified remedy
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debt collector uses or threats use of violence or other criminal means
to harm the physical person, reputation, or property of any person
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Debt collector uses obscene or profane language or language the natural
consequence of which is to abuse the hearer or reader
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Debt collector creates a publication of consumers
who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section
603(f) or 604(3)1 of the FDCPA Act.
or The advertisement for sale of any debt to coerce
payment of the debt
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Debt collectors reatedly calling Causing a telephone to ring or engaging
any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called
number
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§ 807 (1) (9)
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Debt collector uses The false representation
or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including
the use of any badge, uniform, or facsimile thereof or Debt collector uses or distribution any written communication which simulates
or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United
States or any State, or which creates a false impression as to its source, authorization, or approval
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§ 807 (2)
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the debt collector falsely represents: the character, amount, or legal status of any debt; or any services rendered or compensation
which may be lawfully received by any debt collector for the collection of a debt
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§ 807 (3)
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debt collector falsely represents someone or them-self as a lawyer
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§ 807 (4)
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If the debt collector tells you that nonpayment
of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any
property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action
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§ 807 (5)
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The debt collector threatens to take any action that cannot legally be taken
or that is not intended to be taken
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