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The state Rosenthal Fair Debt Collection Practices Act and the Federal Fair Debt Collection Practices Act require that, except under unusual circumstances collectors may not contact you before 8:00am or after 9:00PM. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other that your attorney or spouse, about your debt. Collectors may contact another person to confirm location or enforce a judgment. More information on deb t collection activities can be found by contacting the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.

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