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2. Inform you that you will have to pay additional fees, interest, or expenses that are not allowed by law. They are not allowed to add on any additional fees that are not stated in original credit or loan agreement.
[15 USC 1692f] § 808(1)

3. Repeatedly or continuously calling
The FDCPA considers this harassment and harassment is illegal.
[15 USC 1692d] § 806(5)

4. After being told your employer doesn't allow personal calls, the collector continues to call.

5. Insult you, use abusive, obscene, or profane language
Using language like this is considered harassment.
[15 USC 1692d] § 806(2)

6. Threaten to harm you. Threaten you with the loss of your reputation or with jail time.

7. Call before 8:00 am or after 9:00 pm
Calls outside of 8am-9pm, these times are considered harassment.
**You do not have to talk to debt collectors.
** The FDCPA entitles you to tell debt collectors not to call you again
[15 USC 1692c] § 805(a)(1)

7. Calls at unusual times the collector knows or are known to be inconvenient. Calls at these times are considered harassment.
[15 USC 1692c] § 805(a)(1)

8. Threaten to use violence, or use violence if you don't pay the debt
[15 USC 1692d] § 806(1)

9. Threaten you with a law suit if they cannot or will not take action. Collectors can't threaten to file suit or file charges against you, garnish your wages, take take your property, cause you to lose your job when the collector cannot or is not intending to take these actions against you.
[15 USC 1692e] § 807(5)

10. Illegally inform a third party about your alleged debt Unless you have expressly given permision, collectors are not allowed to inform anyone about your debt except:
a) your attorney
b) the creditor
c) the creditor's attorney
d) a credit reporting agency
e) your spouse
f) your parent (if you are a minor)
[15 USC 1692c] § 805(b)

11. Can NOT Contact your relatives, friends, associates, neighbors about your debt in order to cause embarassment, to pressure you into paying a debt. Debt collectors can only contact the aforementioned people to obtain information about how to contact you ( Phone Number, Address), but they are not allowed to mention your debt.

12. Call a third party repeatedly to obtain the information about your location. A collector can only contact a third party 1 time unless the collector has reason to believe the previously provided information is false.
[15 USC 1692b] § 804(1)

13. Call after receiving a letter sent by your or council asking the collector to STOP CALLING YOU. Exception: To inform you the collection agency is pursuing legal action against you.

14. Lead you to believe that he/she is a lawyer, private detective, or credit bureau representative.

15. Send Correspondance about your debt that clearly indicates that a debt collector sent it. Examples: using a postcard or an envelope that clearly shows it was sent by a debt collector.