LAWDOG Fair Debt Collection Practices Act

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Use Of "Blackballing Lists"

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. This includes the publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or other limited recipients. See Section 806 (3) of the Fair Debt Collection Practices Act reproduced here for illustration purposes only.

Report Consumers Only To Reporting Agency & Authorized

A portion of the FTC Official Staff Commentary on the Fair Debt Collection Practices Act reproduced here for illustration purposes only, includes the following:

"Section 806(3) prohibits the "publication of a list of consumers who allegedly refuse to pay debts," except to report the items to a "consumer reporting agency", as defined in the Fair Credit Reporting Act or to a party otherwise authorized to receive it under that Act."

Prohibited Actions Not Limited To Listed Examples

Section 806 of the Fair Debt Collection Practices Act prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. It provides examples of harassment or abuse. However, prohibited actions are not limited to the six subsections listed as examples of activities that violate this provision. See each of the other illustrations from the previous menu.

A copy of the Fair Debt Collection Practices Act is reproduced for illustration purposes only here. A copy the FTC Official Staff Commentary on the Fair Debt Collection Practices Act is reproduced for illustration purposes only here. Read Sources and Disclaimer. Links do not return to this page. Use browser "back" button to return.

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