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Contacting buyers on their phone previous to 8 a.m. or publish nine p.m. Contacting their consumers via telephone with the destructive intent of harassing, or bothersome and even utilizing abusive language is prohibited Using misrepresentation and deception for credit card debt collection here Threatening with lawful recourse Despite the fact that no lawful action is authorized If a lender is identified to be violating any of the above FDCPA statues fifty seven loan will never be reluctant to prevent doing small business with that organization and file a report with the Federal Trade Commission.