Fair Debt Collection Practices Act (FDCPA) protects you, the consumer, from the harassing tactics of debt collectors and insures you damages of up to $1,000, plus your attorney fees. So... you don’t pay us, the collectors do!
Examples of harassing tactics collectors take that are in violation of the FDCPA:
Lying or deceiving when trying to collect a debt
Calling you with the intent to harass you
Threatening violence or using profane language when speaking with you
Telling your friends, neighbors, employers and spouse that you owe a debt (whether on purpose or not!)
Threatening to sue you
Thretening to ruin your credit (even when they don’t plan to report)
Charing interest not authorized by the agreement creating the debt
Depositing a post dated check prior to the date you authorized
Contacting you at work
Contacting you at an inconvenient place or an inconvenient time
Sending you information on a post card
Failing to mail you to give you the opportunity to challenge the alleged debt
Not disclosing that the call is an attempt to collect a debt
Even if the Collector just left a message all of these apply.