Call you before 8 a.m. and after 9 p.m. unless you agree.Call you repeatedly or use the phone to harass you.Trick you into accepting collect calls or paying for telegrams. Use obscene language, make negative comments about your character, or make religious or ethnic slurs.
Call you at work if the collector knows your boss does not allow such calls.
If you have an attorney, the collector should call that person, not you.
Fair play under the FDCPA also means a debt collector owes you the truth about who it is and what it intends to do. False statements and deceptive practices like the following are not allowed. A collector cannot:
Claim to be an attorney or government employee when it is not.
Send you documents that look like legal papers when they are not.
State that forms sent to you are not legal documents when they are.
Say that you committed a crime.
They say they are GE Money. Sounds more like a collection agency as they said "If you pay $49, the calls will stop for a month". Here's the catch - there is a $15 fee to process your payment
This is from GE Money who for me services the JC Penney cards. The only way to stop the calls is to pay your bill or they send it to a collection agency who will start to contact you.