Fair debt collection practices act section 809 b validating debts
(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. (d) Interstate commerce — Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. (c) Available non-abusive collection methods — Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.Notwithstanding the exclusion provided by clause (F) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts.For the purpose of section 808(6), such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.The Federal Trade Commission (FTC), the nation's consumer protection agency, enforces the FDCPA, which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debt from you. Congressional findings and declaration of purpose §803. (3) The term "consumer" means any natural person obligated or allegedly obligated to pay any debt.If you feel you are a victim of unfair debt collection practices, contact the FTC immediately. (4) The term "creditor" means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
(2) not state that such consumer owes any debt; (3) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information; (4) not communicate by post card; (5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and (6) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to the communication from the debt collector.(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a(f) or 1681b(3) of this title.(4) The advertisement for sale of any debt to coerce payment of the debt. (e) Purposes — It is the purpose of this title to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.