What practices are off limits for our collectors?
Collectors may not harass, oppress, or abuse you or any third parties they contact. They may not:
- Use threats of violence or harm;
- Publish a list of names of people who refuse to pay their debts (This information can be given to the credit reporting companies);
- Use obscene or profane language; and
- Repeatedly use the phone to annoy someone.
Collectors may not lie when they are trying to collect a debt. They may not:
- Claim that they are attorneys or government representatives;
- Claim that you have committed a crime;
- Represent that they operate or work for a credit reporting company;
- Misrepresent the amount you owe;
- Indicate that papers they send you are legal forms if they are not;
- Indicate that papers they send to you are not legal forms if they are.
Collectors may not state that:
- You will be arrested if you don’t pay your debt;
- The creditor will seize, garnish, attach, or sell your property or wages unless the creditor is permitted by law to take the action and intend to do so; or
- Legal action will be taken against you, if doing so would be illegal or if the creditor does not intend to take the action.
When can Williams & Fudge, Inc. contact me?
Williams & Fudge, Inc. may call:
- Between 8:00 AM and 9:00 PM your local time;
- At work if the collector does not know it is inconvenient for you;
- If you are being contacted at a time or location that is inconvenient, you should let the collector know;
- It is most helpful if you offer times when you are available to speak to the collector. Communication is the best way to resolve collection matters.
*Portions of this site were adapted from the FTC.gov