the employment or danger of utilization of physical physical violence or other unlawful methods to damage the real individual, reputation, or home of every individual.
(2) The utilization of obscene or language the normal result of that is to abuse the hearer or audience.
(3) The publication of a list of customers whom presumably will not spend debts, except to a customer reporting agency or to people meeting certain requirements of part 1681a(f) or 1681b(3) 1 with this name.
(4) The ad obtainable of every financial obligation to coerce re payment of this financial obligation.
(5) Causing a telephone to ring or engaging any individual in phone discussion over and over over and over repeatedly or constantly with intent to annoy, punishment, or harass any person during the called quantity.
(6) Except as supplied in part 1692b for this name, the placement of phone calls without significant disclosure of this caller’s identification.
В§ 807. False or representations that are misleading
A financial obligation collector may well not utilize any false, deceptive, or representation that is misleading means regarding the the assortment of any financial obligation. Without restricting the typical application associated with the foregoing, the next conduct is really a breach with this part:
(1) The representation that is false implication that your debt collector is vouched for, fused by, or associated with the usa or any State, like the usage of any badge, uniform, or facsimile thereof.
(2) The representation that is false of
(A) the smoothness, quantity, or status that is legal of financial obligation; or
(B) any services rendered or settlement that might be lawfully gotten by any debt collector for the assortment of a financial obligation.
(3) The representation that is false implication that any individual is legal counsel or that any interaction is from a lawyer.
(4) The representation or implication that nonpayment of any financial obligation can lead to the arrest or imprisonment of any individual or perhaps the seizure, garnishment, accessory, or purchase of every home or wages of every person unless such action is legal plus the financial obligation collector payday loans in New Jersey or creditor promises to just just simply take action that is such.
(5) The risk to simply take any action that simply cannot be taken or legally which is not designed to be studied.
(6) The representation that is false implication that the purchase, recommendation, or any other transfer of any desire for a financial obligation shall cause the consumer to —
(A) lose any claim or defense to re re payment of this financial obligation; or
(B) become at the mercy of any training forbidden by this subchapter.
(7) The representation that is false implication that the customer committed any criminal activity or other conduct so that you can disgrace the buyer.
(8) interacting or threatening to communicate to your individual credit information which can be understood or that should be regarded as false, such as the failure to communicate that a debt that is disputed disputed.
(9) the utilization or circulation of every written communication which simulates or perhaps is falsely represented to be a document authorized, released, or authorized by any court, official, or agency regarding the united states of america or any State, or which produces an impression that is false to its supply, authorization, or approval.
(10) the application of any representation that is false misleading methods to gather or try to gather any financial obligation or even to get information concerning a customer.
(11) The failure to reveal within the initial written communication aided by the customer and, in addition, in the event that initial interaction aided by the customer is dental, for the reason that initial dental interaction, that your debt collector is trying to gather a financial obligation and that any information acquired would be employed for that function, while the failure to reveal in subsequent communications that the communication is from the financial obligation collector, except that this paragraph shall perhaps maybe not connect with an official pleading produced in reference to an action that is legal.
(12) The false representation or implication that reports have now been turned up to innocent purchasers for value.
(13) The false representation or implication that papers are appropriate procedure.
(14) the employment of any company, business, or organization name more than the name that is true of debt collector’s company, business, or company.
(15) The representation that is false implication that papers aren’t legal procedure kinds or don’t require action by the customer.
(16) The representation that is false implication that a financial obligation collector runs or perhaps is utilized by a customer reporting agency as defined by part 1681a(f) for this name.
В§ 808. Unjust methods
A financial obligation collector might not make use of unjust or means that are unconscionable gather or try to gather any financial obligation. The following conduct is a violation of this section without limiting the general application of the foregoing