*--*  Qmodem Session Capture File  *--*
*--*  Qmodem Capture File  10/06/87 14:57:18  *--*
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                      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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