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Calling shoppers on their phone just before 8 a.m. or write-up nine p.m. Making contact with their shoppers by way of phone Along with the malicious intent of harassing, or annoying or simply employing abusive language is prohibited Making use of misrepresentation and deception for debt collection Threatening with authorized recourse Although no lawful action is permitted If a lender is discovered to generally be violating any of the above FDCPA statues fifty seven loan won't be reluctant to stop accomplishing organization with that business and file a report Along with the Federal Trade Commission.