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
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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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