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Debt collectors are also forbidden
from telling anyone but you, your spouse, your attorney, or your cosigner
that you owe money. This includes not publishing your name alongside the type
of debt that you owe, or do anything else that may be destructive to your
reputation. In addition, if a debt collector misrepresents whom he/she is,
for whom he/she works, or that he/she is an attorney or government representative
when these things are false, it is against the law. Also, it is illegal for
these callers to tell you that forms they submit to you are legal forms if,
in fact, they are no such thing.
It is important that you are prepared,
as some collectors may falsely imply that you have committed a crime. It is
completely inaccurate that you will be arrested if you do not pay a debt,
and by you keeping informed of the proper rules surrounding caller representation,
you can protect yourself from anxiety, false payments, and over-payments.
If a collector lies to you and tells you that he/she is planning on suing
you, garnishing your wages, or taking over your personal property when he/she
has absolutely no intention of doing so, you need to know that this is wholly
inappropriate. Moreover, collectors cannot falsely represent that they work
for a credit bureau.