1. Threatening to take your property to pay off a debt without telling you a court hearing is first required (when one is required).
2. Sending collection notices by postcard or having "Collection" appear on the envelope.
3. Sending notices that look like official court papers but that really aren't court papers.
4. Trying to collect money when they know you don't owe them any money.
5. Calling you at work (or coming to see you at work) (unless they have tried to call you at home or have tried to mail you a letter and these attempts have failed).
6. Using abusive, vulgar, or obscene language to talk to you or to your family.
7. Telling ANY OTHER people about your debts (this means, not your parents, your significant other, your landlord, your employer, etc.).
8. Talking to your employer about your debts - even threatening to talk to your employer.
9. Threatening to use force or violence to get you to pay, against you or your family.
10. Threatening you with arrest or criminal prosecution for non-payment.
Fight back!! Debtors have rights under Oregon laws.
The Law Office of Karen M. Oakes, P.C., focuses on consumer protection issues and offers relief from harassing phone calls and unscrupulous creditors.
