The federal Fair Debt Collections Practices Act (15 USC 1692) applies to businesses which collect debts for other businesses. They do not apply to a firm which is collecting its own past-due accounts.
When a collection agency contacts you
The first time a collection agency contacts you; it must give its name and address, and the name of the original creditor (the business or person you owe money to). It must also tell you in writing the amount of the debt and any fees which have been added, such as, interest or collection fees. You must also be informed of your right to dispute the information.
Under the FDCPA a collection agency cannot call or write to you more than three times a week. Only one of those calls can be at work. You cannot be called between 9 pm and 8 am.
A collection agency cannot harass, intimidate, threaten, or embarrass you. It cannot threaten violence, criminal prosecution, or use offensive language.
If you send a written statement requesting a collection agency to stop, it cannot continue to call or write to you to demand payment.
When contacting other people
If you have an attorney, the law prohibits a...
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