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Jacqueline - 05-09-2012

This company is violating the following:

Debt collectors may NOT:
1.Contact you at times which they know are inconvenient to you.
2.Contact you before 8:00 a.m. or after 9:00 p.m.
3.Contact you if they know you are represented by an attorney.
4.Contact you at work if they are told that you are not allowed to take calls of that nature while you are working.
5.Continue collection of a debt if you have properly disputed all or part of the debt, until that verification is provided to you. 6.Contact you at all to further attempt to collect a debt if you have notified them in writing to cease all communication with you. For more information on sending a “cease and desist” letter to a debt collector, click here.
7.Engage in harassing, oppressive or abusive conduct.
8.Threaten violence or use obscene or profane language when communicating with you.
9.Call you repeatedly or continuously throughout the day to annoy or harass you.
10.Communicate with you without disclosing their identity and disclosing that they a debt collector.
11.Use any false, deceptive or misleading representations to attempt to collect a debt.
12.Misrepresent the amount or legal status of the debt.
13.Falsely represent that they are an attorney or work for an attorney.
14.Falsely threaten you with arrest or imprisonment or imply that you committed a crime by not paying your debt.
15.Falsely represent that you are being sued or are going to be sued if that is true or they don't intend to do it.
16.Use any name other than the true name of their business when communicating with you
17.Pretend to be acting on behalf of a governmental agency when collecting the debt.
18.Collect any amounts which are not authorized by the agreement which created the debt.
19.Communicate or threaten to communicate false information on your credit report. If you notify the debt collector that a debt is disputed, they must notify the credit reporting bureaus of your dispute. For more information on disputing a debt, click here.
20.Communicate with anyone other than you regarding the debt, except for your spouse. Debt collectors cannot divulge to anyone else that you owe a debt, other than your spouse.
22.Use fake “official” court or government documents.
23.Debt collectors and debt collection attorneys cannot file a lawsuit against you in a judicial district other than where you live (usually the local city or county court) or where you signed the contract which created the debt.

Caller type: Collection Agency
Caller: john anderson
Company: Mitchell Associates
Number: 855-619-0700


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