Debt Collection Practices Act

[AI summary unavailable — showing source text] Debt Collection Practices Act - Prohibits debt collectors from harassing or intimidating consumers in connection with the collection or attempted collection of any alleged debt arising from a consumer credit transaction. Sets forth conduct which violates this Act, including the use of violence by a debt collector, and practices used to acquire local information about a debtor which publicize the indebtedness, such as post cards. Limits the communication that the debt collector may have with the consumer in connection with debt collection. Requires that further direct collection efforts cease once the consumer has absolutely refused to pay except that the collector may advise the consumer that the further efforts are being terminated and that there is a possiblity of an attorney invoking the creditor's remedies. Prohibits false or misleading representation or impersonation in connection with the collection of an alleged debt. List unfair practices which a collector is required to avoid, including the acceptance by a debt collector from a consumer of any check or other negotiable instrument that is postdated or the soliciting of such instrument for purposes of threatening criminal ac…