(7) Misrepresentation or insinuation that the consumer has committed a criminal offence or other conduct for the purpose of embarrassing the consumer. (A) the nature, amount or legal status of a debt; or If such notification of the consumer is made by post, the notification is complete upon receipt. The Truth in Loans Act (TILA) requires lenders to disclose material terms of a loan agreement to borrowers before signing the agreement. The concept of adequate notification is intended to protect the consumer by ensuring that he is informed of all the important details of a proposed credit agreement. The purpose of the adequate notification requirement under TILA is to strengthen the economy by facilitating the informed use of credit by consumers. (8) Notifying or threatening to provide credit information to any person who is known or ought to know to be false, including failure to notify that a disputed fault is being contested. (C) any official or employee of the United States or any state to the extent that the collection or attempted collection of debts is effected in the course of his or her official duties; (1) at an unusual time or place, or at a time or place that is known or ought to be known to be unfavourable to the consumer. In the absence of circumstances to the contrary, a debt collection agency will assume that the appropriate time to communicate with a consumer is after 8 a.m. antemeridian and before 9 a.m. postmeridian local time at the consumer`s location; b) Communication with third parties Except as otherwise provided in Article 1692b of this Title, a debt collection agency may, without the prior consent of the consumer granted directly to the collection agency or the express authorization of a court of competent jurisdiction, or to the extent reasonably necessary to bring a judicial remedy following the judgment, in connection with the collection of debts from a person other than the The consumer, its lawyer, a consumer information office, if permitted by law, the creditor, the creditor`s lawyer or the collection agency`s lawyer.
(3) Where applicable, inform the consumer that the collection agency or creditor intends to exercise a specific remedy. (3) Publication of a list of consumers who purportedly refuse to pay their debts, except to a consumer information bureau or to persons who meet the conditions of section 1681a(f) or 1681b (3) 1 of this title. (1) The misrepresentation or insinuation that the collector is a guarantor, related or affiliated with the United States or any state, including the use of a badge, uniform or facsimile thereof. (7) The term “location information” means the place of residence and telephone number of a consumer in that place or place of work. (B) the place of residence of the consumer at the time the action is brought. (e) Purpose The purpose of this sub-chapter is to eliminate abusive debt collection practices by debt collection agencies, to ensure that collection agencies that refrain from abusive collection practices are not disadvantaged in terms of competition, and to promote consistent government measures to protect consumers from debt collection abuse. (d) “Consumer” means For the purposes of this Article, “consumer” includes the spouse, parent (if the consumer is a minor), guardian, executor or administrator of the consumer. 3.
The term “consumer” means any natural person who is obliged or purportedly liable to pay a debt. (a) in which the consumer has signed the contract attached; or (6) a misrepresentation or insinuation that a sale, recommendation or other transfer of an interest in a debt causes the consumer to: (9) Use or distribute a simulated or distorted written communication as a document authorized by a court, official or agency of the United States or any state, has been issued or approved, or creates an erroneous impression as to its source, authorization or approval. (3) A misrepresentation or insinuation that a person is a lawyer or that a communication originates from a lawyer. (6) “Debt collection” means any person who uses an instrument of international trade or the post office in a transaction the principal purpose of which is the collection of debts, or who collects, on a regular, direct or indirect basis, due or alleged or alleged. Notwithstanding the exclusion in subparagraph (F) of the last sentence of that subparagraph, this term includes any creditor who, in the collection of his own claims, uses a name other than his own that indicates that a third party is collecting or attempting to collect those claims. For the purposes of Article 1692f(6) of this Title, that term also includes any person who uses an instrument of inter-State commerce or the post office in an undertaking the principal purpose of which is the enforcement of security rights. The clause does not include — (5) a statement that the collection agency will provide the consumer, upon written request by the consumer, with the name and address of the original lender within the thirty day period, if it is not the same as the current creditor. (5) “Debt” means any alleged obligation or obligation of a consumer to pay amounts resulting from a transaction where the funds, property, insurance or services that are the subject of the transaction are primarily for personal, family or household purposes, whether or not that obligation has been reduced to judgment.