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FAIR DEBT COLLECTION
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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