Alabama Attorney offers checklist of 13 unlawful collection tactics and advice on what to do about.

Whether the Debt is Owed or Not: Unlawful Collection Practices Checklist

Calls after 9:00 p.m. or before 8:00 a.m., without your consent
Use of foul or obscene language
Misleading or exaggerated collection letters
Continued collection efforts, after you have written for them to stop
Collect telephone calls, without stating the purpose of the call
Contact at work, if prohibited by your employer
Threats or use of force or violence
Collector's contact with anyone other than yourself about your debt
Falsely accused of criminal activity or that you will be arrested
Received papers which appear to be court papers
Misrepresented amount of debt or added unauthorized charges
Threat of a lawsuit, or an action that the collector does not intend to take
Threat of wage garnishment

If you're dealing with any of the above unlawful collection practices, whether the Debt is Owed or Not... you should consult with an attorney well versed in debt collection laws for your state. If you're in Alabama, help is just a click away!
Tell Attorney, Andy Nelms About Your Problem Here! You can also visit our new Debt & Credit Forum where you can post questions, get answers and share your debt collection and credit stories with others.

For a complete review of the Fair Debt Collection Practices Act, visit fair-debt-collection.com

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