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Every credit card consumer or anyone with credit should familiarize themselves with the Fair Debt Collection Practices Act. The Fair Debt Collection
Practices Act ensures the fair treatment of consumers by prohibiting the use of abusive, false and/or deceptive acts by debt collectors. The term debt
collector refers to any third party whose principal purpose is to collect any debt owed to another. Although the act does not technically include lenders
who attempt to collect under the same name, reputable companies are not permitted to use practices that violate the Fair Debt Collection Practices Act.
Acquiring location information
If a debt collector is communicating with any person other than the consumer for the purpose obtaining location information he/she must:
 Not communicate with the person more than once unless given permission by the person to do so or reasonably believe that information given by the individual is incorrect or incomplete and the individual
now has correct or complete information.
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Identify him or herself
State that he is confirming or correcting location information
Not state his/her employer except if asked
Not state that the consumer owes any debt
Not use a post cards as a form of communication
Not use symbol or language on the envelope that may divulge that a debt collection agency is contacting the consumer and/or the communication relates
to the collection of a debt.
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