1) Threaten a lawsuit when a lawsuit is not actually intended.
2) Threaten a lawsuit on a time-barred or “stale” debt.
3) Threaten to transfer a file to an attorney when such a transfer is not actually intended.
4) Threaten credit reporting when reporting is not actually intended.
5) Threaten IRS reporting or tax consequences, if untrue.
6) Threaten wage garnishment (for most debts).
7) Provide any untruthful information to force a payment.
8) Attempt to collect a debt that should have been covered by medical insurance.
9) Confuse as to who the money is owed to.
10) Calling a cell phone without permission.
11) Calling before 8:00 a.m. or after 9:00 p.m.
12) Discuss debt with family, friends, co-workers, or any 3rd parties.
13) Provide inaccurate or false information to a credit bureau.
14) Fail to report disputed debt as disputed to the credit bureaus.
15) Continue collection prior to validating debt in response to a request.
16) Continue collection on an account included in bankruptcy.
17) Place private, personal information that is visible through, or on, a mailing envelope.
18) Mark an envelope as “urgent” or “open immediately”.
19) Misrepresent, miscalculate, or inflate the amount of the debt.
20) Fail to make it unclear when interest, if any, will be added to account.
21) Fail to provide the required disclosures in their letters.
22) Harass, treat rudely, uncomfortably, or abuse a consumer by telephone.
