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f

 
                      FAIR DEBT COLLECTION                       

                          Provided By
                     Charley Brown's Office
                        Attorney General
                  Consumer Protection Division

     Complaints ?about ?harrassment by debt collectors are ?among 
the most numerous complaints ?received by ?my Consumer Protection 
Division.  ?There are both federal and state laws to protect ?you 
from unfair debt collection practices.   
     A debt collector may contact you in person, ?in writing, ?or 
by phone.  ?However, ?a ??debt collector may not ?contact ?you at 
inconvenient ?or ?unusual ?times ?or at ?work ?if ?your ?employer 
disapproves. 
     You ?may ?stop ?a collection agency from contacting ?you ?by 
writing ?a ?letter telling them to stop. ?Once they receive ?this 
letter, they may not contact you again. 
     No debt collector may threaten you with criminal prosecution 
to scare you into paying a bill.  ?A collection agency cannot sue 
you, garnish your wages, or seize collateral on it's own. 
     Collection ?agencies ?cannot ?use obscene language ?or ?make 
false ?statements ?when collecting a debt.  ?In most cases, ??the 
More [Y,n]? 
collector is ?not ?allowed to tell anyone other than you or ?your 
attorney that you owe money.  
     If ?you ?should encounter problems with ?a ?debt ?collection 
agency, ?please contact my Consumer Protection Agency, ?toll free 
in West Virginia, at 1-800-368-8808. 



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