3. Debt Collection Practices: Dos and Don’ts
When attempting to collect debts, both creditors and debt collectors must adhere to the following dos and don’ts:
a. Do Identify Themselves: Creditors and debt collectors must clearly identify themselves and the purpose of their communication.
b. Don’t Threaten or Harass: Using threats, obscene language, or harassment to collect debts is strictly prohibited.
c. Do Provide Debt Details: Debt collectors should provide details of the debt, including the amount owed and the creditor’s name.
d. Don’t Misrepresent Information: Debt collectors cannot misrepresent the debt or claim to be law enforcement officials.