Kenneth Fach Telling It

Section 805-Communication in Connection with Debt Collection
Collectors may only call after 8:00am in your time zone.
Collectors cannot call a customer at customer’s place of employment.
Collectors may not communicate with any other person other than the consumer himself, without written authorization.

Section 806-Harassment or Abuse
Collectors may not use threat or violence or other criminal means.
Collectors may not use profanity.
Collectors may not continuously call, annoy, abuse or harass the consumer.

Section 807- False or Misleading Representation
Collectors may not use any false or deceptive or misleading representation.
Collectors may not threat or take any action that cannot legally be taken.
Collectors may not give or threaten to put out any false credit information.
Collectorsmay not distribute any falsely written communication simulating a document authorized, issued, or approved by any court official or agency of the United States or any state.
Collectors may not use any name other than the true name of the collector’s Business Company or organization.
Collectors may not falsely imply that they are employed by a consumer reporting agency.

Section 808- Unfair Practices
Collectors may not use unfair or unconscionable means to collect or attempt to collect debt.
Collectors cannot accept a check or other payment form from the consumer that is postdated.
Collectors may not solicit any postdated check for the purpose of threatening or instituting criminal prosecution.
Collectors may not cause charges to be made to the consumer for price of communication.
Collectors cannot take or threaten to to take non-judicial action to affect dispossession or disablement of property.
Collectors may not communicate with a consumer by post card.
Collectors may not use any language or symbol other than the collector’s address and n ame on any mail sent to the consumer.

Section 809-Validation of Debts
Collectors must notify the consumer in writing within five days, validating their debt.

Section 810-Multiple Debts
If a consumer owes multiple debts to one creditor and makes a payment to the collector for one specific debt, the collector may only apply payment to that specific debt.