I hope to hear from you immediately so that the matter can be resolved without taking that step. Prohibited Collection Practices Because of abuses, Congress passed the Fair Debt Collection Practices Act to regulate the activities of collection agencies. The federal law doesn't cover small businesses that collect their own bills. Many state laws, however, do crack down on the aggressive collection techniques of such businesses. And in states where the legislature hasn't yet acted, court decisions often penalize businesses that harass debtors or use unfair collection tactics.
Most business owners know intuitively the kind of behavior that's out of bounds.
Using or threatening to use physical force to collect a debt. Falsely threatening that the failure to pay a consumer debt will result in an accusation that the debtor has committed a crime. Using obscene or profane language. Causing expense to the debtor for long distance calls. Causing a phone to ring repeatedly or continuously to annoy the debtor.