You’re probably well aware of how important your credit report and credit scores are. The Fair Credit Reporting Act outlines exactly how certain financial information, such as debt collection, can be shown on your credit report. Other state and federal laws exist that provide protections for consumers against the following.
Obscene or profane language from a debt collector
Deceptive practices for debt collection
False or misleading representations on credit reports
Constant telephone calls
Other unfair practices for collecting debts