If you are in debt and being called (hounded) by collection debt agencies, it would be good for you to know that there are laws that prohibit unfair collection debt practices by collection debt  agencies.


Here are some of those laws:

When communicating directly with you, creditors and collection agencies may not:[1]

·        Call you at home more than twice for each debt in any seven-day period, or more than twice for each debt in any 30-day period at some place other than your home, such as your place of work.

·        Call you at work if you have requested that they not call. Your oral request that a collector not call you at work is valid for 10 days only. Written requests are valid until you write to the collector removing the restriction.

·        Call you without identifying both the name of the creditor and the name of the person calling. The caller may use a name other than his or her own, but the creditor or collection agency on whose behalf the call is being made must be able to identify that person.

·        Contact you directly, if you have told the creditor or collection agency you are represented by an attorney.

·        Use profane or obscene language.

·        Cause expense to you in the form of long distance calls, express mail charges, wire fees, or other similar charges.

·        Falsely threaten to take legal action that the creditor does not take or reasonably intend to take.

·        Tell anyone (including your friends, neighbors, relatives, or employers) about your debt, without your written consent.

·        Mail to you any printed or written materials that reveal or imply that you owe a debt (for example, by using a postcard to contact you or using a descriptive return address).

·        Solicit post-dated checks from you.

·        Visit your home at times other than your normal waking hours. A collector may not visit you more than once in any 30-day period for each debt, unless you give permission for additional visits.

·        Call you at times other than your normal waking hours. If your waking hours are unknown, then the collector may only call between 8:00 a.m. and 9:00 p.m.

[1] http://www.mass.gov/?pageID=cagoterminal&L=4&L0=Home&L1=Consumer+Protection&L2=Credit+and+Financial+Literacy&L3=Consumer+Credit&sid=Cago&b=terminalcontent&f=consumer_fair_debt_collection&csid=Cago