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Requesting unjustified amounts in collection: This includes making demands on any amounts that are not permitted under an applicable contract or under applicable law.Publishing your name or address anywhere: This is pretty self-explanatory, but your debt collector has no right to put you on a “bad debt” list anywhere.Misrepresenting a debt using deception such as stating they are an attorney or law enforcement officer is clearly illegal. Deceit or misrepresentation: If your debtor tells you that they are someone that they are not, this is a huge no, no.If the creditor tries to solicit this debt again within that 30 day period they are breaking the PDCPA and can be penalized. Trying to communicate with you after a request of debt validation has been made: The idea here is that if you have requested in writing for the verification of the debt that you have with this company, you have 30 days.You have a retained a lawyer: That is right, if you have retained an attorney, a debt collector should gear all of their telephone calls to that attorney or law firm.
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Trying to communicate with you (the consumer) at your place of employment: If this is unacceptable or even prohibited by your employer, the debt collector has to stop trying to contact you at work.
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