Baxter & Baxter, LLP | Portland Oregon Bankruptcy » Uncategorized http://www.tualatin-bankruptcy-lawyer.com/newsfeed Presented by the Portland, Oregon bankruptcy attorneys of Baxter & Baxter, LLP Wed, 01 Sep 2010 17:21:00 +0000 http://wordpress.org/?v=2.8 en hourly 1 http://www.superpages.com/bp/Portland-OR/Baxter-Baxter-LLP-L0143966872.htm?SRC=portals&C=baxter+%26+baxter%2C+llp&lbp=1&TR=77&bidType=… http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/09/httpwww-superpages-combpportland-orbaxter-baxter-llp-l0143966872-htmsrcportalscbaxter%26baxter%2cllplbp1tr77bidtype/ http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/09/httpwww-superpages-combpportland-orbaxter-baxter-llp-l0143966872-htmsrcportalscbaxter%26baxter%2cllplbp1tr77bidtype/#comments Wed, 01 Sep 2010 17:21:00 +0000 admin http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/09/httpwww-superpages-combpportland-orbaxter-baxter-llp-l0143966872-htmsrcportalscbaxter%26baxter%2cllplbp1tr77bidtype/ http://www.superpages.com/bp/Portland-OR/Baxter-Baxter-LLP-L0143966872.htm?SRC=portals&C=baxter+2C+llp&lbp=1&TR=77&bidType=FLCLIK&PGID=yp421.8081.1283361634524.17113998953&dls=true&bpp=5 Baxter & Baxter LLP 5 of 5 stars (3) Read Reviews | Write a Review 8835 Canyon, Portland, OR 97225 http://www.baxterlaw.com

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The Portland, Oregon bankruptcy attorneys and Vancouver Washington bankruptcy lawyers of the Bankruptcy Practice Group represent individuals in Chapter 7 and Chapter 13 bankruptcies. We offer a free initial consultation. We can stop collection calls from debt collectors and home foreclosures. We can advise consumers whether to file for bankruptcy, and what form of bankruptcy to file. Our rates are competitive, and an uncontested no-asset Chapter 7 bankruptcy can be filed for as little as a $1,250 attorney fee (plus the applicable court filing fee). If you don’t have the full fee right now, call us to discuss prioritizing your payments. Call today to talk to a bankruptcy attorney.

Baxter & Baxter, LLP
1101 Broadway Street, Suite 213
Vancouver, Washington 98660
(360) 574-5239
Washington Bankruptcy

Baxter & Baxter, LLP
8835 SW Canyon Lane, Suite 130
Portland, Oregon 97225
(503) 297-9031
Oregon Bankruptcy

]]> http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/09/httpwww-superpages-combpportland-orbaxter-baxter-llp-l0143966872-htmsrcportalscbaxter%26baxter%2cllplbp1tr77bidtype/feed/ 0 Baxter & Baxter Attorney Obtains $95,000 Jury Verdict in Unlawful Collection Harassment Case http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/09/baxter-baxter-attorney-obtains-95000-jury-verdict-in-unlawful-collection-harassment-case/ http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/09/baxter-baxter-attorney-obtains-95000-jury-verdict-in-unlawful-collection-harassment-case/#comments Wed, 01 Sep 2010 14:54:00 +0000 admin http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/09/baxter-baxter-attorney-obtains-95000-jury-verdict-in-unlawful-collection-harassment-case/ Baxter & Baxter Attorney Obtains $95,000 Jury Verdict in Unlawful Collection Harassment Case http://www.baxterlaw.com/firm-news/jury-verdict-in-unlawful-collection-harassment-case Portland, Oregon. A Multnomah County jury returned a verdict of $95,000 against TRS Home Furnishings on August 26, 2010. Ms. Edwards obtained furniture from TRS Home Furnishings, an assumed business name for The Rental Store. TRS partners with furniture stores across the country, including Ashley Furniture, and Mor Furniture in Oregon, and provides financing for lease purchase or rent-to-own transactions. In June of 2008, TRS agreed to a temporary reduction of the monthly payment. Before the next payment came due, TRS began harassing Ms. Edwards with a multitude of calls to her cell phone and workplace. The credit manager left menacing voicemails threatening to have Ms. Edwards jailed and prosecuted for a felony. Ms. Edwards borrowed money and attempted to pay off the entire balance, however, her letters were returned. TRS swore out false charges to have her arrested by the Springfield police, and charged by the Lane County DA. Those charges were subsequently dismissed. Ms. Edwards attorney was Justin Baxter of Baxter & Baxter, LLP. Baxter & Baxter Attorney Obtains $95,000 Jury Verdict in Unlawful Collection Harassment Case Justin M. Baxter Baxter & Baxter, LLP 8835 SW Canyon Lane, Suite 130 Portland, Oregon 97225 (503) 297-9031 (Telephone) (503) 291-9172 (Facsimile) Baxter & Baxter, LLP 1101 Broadway Street, Suite 213 Vancouver, Washington 98660 (360) 574-5239 (Telephone) (360) 326-1613 (Facsimile) http://www.baxterlaw.com This electronic mail transmission contains information from the law firm of Baxter & Baxter, LLP, that may be confidential or privileged. If you are not the intended recipient, any disclosure, copying, distribution or use of this information is prohibited. If you believe that you have received this message in error, please notify the sender by telephone at (503) 297-9031, or by electronic mail and delete the message without copying or disclosing it.

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Baxter & Baxter Attorney Obtains $95,000 Jury Verdict in Unlawful Collection Harassment Case

The Portland, Oregon bankruptcy attorneys and Vancouver Washington bankruptcy lawyers of the Bankruptcy Practice Group represent individuals in Chapter 7 and Chapter 13 bankruptcies. We offer a free initial consultation. We can stop collection calls from debt collectors and home foreclosures. We can advise consumers whether to file for bankruptcy, and what form of bankruptcy to file. Our rates are competitive, and an uncontested no-asset Chapter 7 bankruptcy can be filed for as little as a $1,250 attorney fee (plus the applicable court filing fee). If you don’t have the full fee right now, call us to discuss prioritizing your payments. Call today to talk to a bankruptcy attorney.

Baxter & Baxter, LLP
1101 Broadway Street, Suite 213
Vancouver, Washington 98660
(360) 574-5239
Washington Bankruptcy

Baxter & Baxter, LLP
8835 SW Canyon Lane, Suite 130
Portland, Oregon 97225
(503) 297-9031
Oregon Bankruptcy

]]> http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/09/baxter-baxter-attorney-obtains-95000-jury-verdict-in-unlawful-collection-harassment-case/feed/ 0 BANKRUPTCY: Bankruptcy filings rebound http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/08/bankruptcy-bankruptcy-filings-rebound/ http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/08/bankruptcy-bankruptcy-filings-rebound/#comments Sun, 22 Aug 2010 05:00:00 +0000 Baxter & Baxter, LLP http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/08/bankruptcy-bankruptcy-filings-rebound/ http://www.tennessean.com/article/20100822/BUSINESS01/8220341/Bankruptcy+filings+rebound

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BANKRUPTCY: Bankruptcy filings rebound

The Portland, Oregon bankruptcy attorneys and Vancouver Washington bankruptcy lawyers of the Bankruptcy Practice Group represent individuals in Chapter 7 and Chapter 13 bankruptcies. We offer a free initial consultation. We can stop collection calls from debt collectors and home foreclosures. We can advise consumers whether to file for bankruptcy, and what form of bankruptcy to file. Our rates are competitive, and an uncontested no-asset Chapter 7 bankruptcy can be filed for as little as a $1,250 attorney fee (plus the applicable court filing fee). If you don’t have the full fee right now, call us to discuss prioritizing your payments. Call today to talk to a bankruptcy attorney.

Baxter & Baxter, LLP
1101 Broadway Street, Suite 213
Vancouver, Washington 98660
(360) 574-5239
Washington Bankruptcy

Baxter & Baxter, LLP
8835 SW Canyon Lane, Suite 130
Portland, Oregon 97225
(503) 297-9031
Oregon Bankruptcy

]]> http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/08/bankruptcy-bankruptcy-filings-rebound/feed/ 0 BANKRUPTCY: U.S. says bankruptcies reach nearly 5-year high http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/08/bankruptcy-u-s-says-bankruptcies-reach-nearly-5-year-high/ http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/08/bankruptcy-u-s-says-bankruptcies-reach-nearly-5-year-high/#comments Tue, 17 Aug 2010 05:00:00 +0000 admin http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/08/bankruptcy-u-s-says-bankruptcies-reach-nearly-5-year-high/ http://www.reuters.com/article/idUSTRE67G52420100817

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BANKRUPTCY: U.S. says bankruptcies reach nearly 5-year high

The Portland, Oregon bankruptcy attorneys and Vancouver Washington bankruptcy lawyers of the Bankruptcy Practice Group represent individuals in Chapter 7 and Chapter 13 bankruptcies. We offer a free initial consultation. We can stop collection calls from debt collectors and home foreclosures. We can advise consumers whether to file for bankruptcy, and what form of bankruptcy to file. Our rates are competitive, and an uncontested no-asset Chapter 7 bankruptcy can be filed for as little as a $1,250 attorney fee (plus the applicable court filing fee). If you don’t have the full fee right now, call us to discuss prioritizing your payments. Call today to talk to a bankruptcy attorney.

Baxter & Baxter, LLP
1101 Broadway Street, Suite 213
Vancouver, Washington 98660
(360) 574-5239
Washington Bankruptcy

Baxter & Baxter, LLP
8835 SW Canyon Lane, Suite 130
Portland, Oregon 97225
(503) 297-9031
Oregon Bankruptcy

]]> http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/08/bankruptcy-u-s-says-bankruptcies-reach-nearly-5-year-high/feed/ 0 Bankruptcy Blogspots http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/bankruptcy-blogspots/ http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/bankruptcy-blogspots/#comments Thu, 29 Jul 2010 14:04:00 +0000 admin http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/bankruptcy-blogspots/ http://oregonbankruptcylawyer.blogspot.com/ http://bankruptcyportland.blogspot.com/ http://bankruptcylaworegon.blogspot.com/ http://bankruptcyattorneywashington.blogspot.com/ http://bankruptcywashington.blogspot.com/ http://bankruptcyvancouverwashington.blogspot.com/ http://bankruptcyvancouverwa.blogspot.com/ http://bankruptcylawyervancouver.blogspot.com/ http://bankruptcyattorneysvancouver.blogspot.com/ http://bankruptcyattorneysvancouverwa.blogspot.com/ http://bankruptcyattorneyswashington.blogspot.com/ http://bankruptcylawyerswashington.blogspot.com/ — Justin M. Baxter Baxter &  Baxter, LLP 1101 Broadway Street, Suite 213 Vancouver, Washington 98660 (360) 574-5239 Baxter & Baxter, LLP 8835 SW Canyon Lane, Suite 130 Portland, Oregon 97225 (503) 297-9031

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Bankruptcy Blogspots

The Portland, Oregon bankruptcy attorneys and Vancouver Washington bankruptcy lawyers of the Bankruptcy Practice Group represent individuals in Chapter 7 and Chapter 13 bankruptcies. We offer a free initial consultation. We can stop collection calls from debt collectors and home foreclosures. We can advise consumers whether to file for bankruptcy, and what form of bankruptcy to file. Our rates are competitive, and an uncontested no-asset Chapter 7 bankruptcy can be filed for as little as a $1,250 attorney fee (plus the applicable court filing fee). If you don’t have the full fee right now, call us to discuss prioritizing your payments. Call today to talk to a bankruptcy attorney.

Baxter & Baxter, LLP
1101 Broadway Street, Suite 213
Vancouver, Washington 98660
(360) 574-5239
Washington Bankruptcy

Baxter & Baxter, LLP
8835 SW Canyon Lane, Suite 130
Portland, Oregon 97225
(503) 297-9031
Oregon Bankruptcy

]]> http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/bankruptcy-blogspots/feed/ 0 Bankruptcy Websites http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/bankruptcy-websites/ http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/bankruptcy-websites/#comments Thu, 29 Jul 2010 14:00:00 +0000 Baxter & Baxter, LLP http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/bankruptcy-websites/ http://oregonbankruptcy.typepad.com/ http://washingtonbankruptcy.typepad.com/ http://portlandbankruptcy.typepad.com/blog/ http://vancouverbankruptcy.typepad.com/blog/ http://portlandorbankruptcy.typepad.com/ http://portlandoregonbankruptcy.typepad.com/blog/ http://vancouverwabankruptcy.typepad.com/blog/ http://vancouverwashingtonbankruptcy.typepad.com/blog/ http://bankruptcy-attorney.typepad.com/blog/ http://portlandorbankruptcy.typepad.com/blog/ — Justin M. Baxter Baxter &  Baxter, LLP 1101 Broadway Street, Suite 213 Vancouver, Washington 98660 (360) 574-5239 Baxter & Baxter, LLP 8835 SW Canyon Lane, Suite 130 Portland, Oregon 97225 (503) 297-9031

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Bankruptcy Websites

The Portland, Oregon bankruptcy attorneys and Vancouver Washington bankruptcy lawyers of the Bankruptcy Practice Group represent individuals in Chapter 7 and Chapter 13 bankruptcies. We offer a free initial consultation. We can stop collection calls from debt collectors and home foreclosures. We can advise consumers whether to file for bankruptcy, and what form of bankruptcy to file. Our rates are competitive, and an uncontested no-asset Chapter 7 bankruptcy can be filed for as little as a $1,250 attorney fee (plus the applicable court filing fee). If you don’t have the full fee right now, call us to discuss prioritizing your payments. Call today to talk to a bankruptcy attorney.

Baxter & Baxter, LLP
1101 Broadway Street, Suite 213
Vancouver, Washington 98660
(360) 574-5239
Washington Bankruptcy

Baxter & Baxter, LLP
8835 SW Canyon Lane, Suite 130
Portland, Oregon 97225
(503) 297-9031
Oregon Bankruptcy

]]> http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/bankruptcy-websites/feed/ 0 http://www.sandiegobankruptcyattorneyblog.com/ http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/httpwww-sandiegobankruptcyattorneyblog-com/ http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/httpwww-sandiegobankruptcyattorneyblog-com/#comments Wed, 28 Jul 2010 21:32:00 +0000 admin http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/httpwww-sandiegobankruptcyattorneyblog-com/ http://www.sandiegobankruptcyattorneyblog.com/ — Justin M. Baxter Baxter &  Baxter, LLP 1101 Broadway Street, Suite 213 Vancouver, Washington 98660 (360) 574-5239 Baxter & Baxter, LLP 8835 SW Canyon Lane, Suite 130 Portland, Oregon 97225 (503) 297-9031

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The Portland, Oregon bankruptcy attorneys and Vancouver Washington bankruptcy lawyers of the Bankruptcy Practice Group represent individuals in Chapter 7 and Chapter 13 bankruptcies. We offer a free initial consultation. We can stop collection calls from debt collectors and home foreclosures. We can advise consumers whether to file for bankruptcy, and what form of bankruptcy to file. Our rates are competitive, and an uncontested no-asset Chapter 7 bankruptcy can be filed for as little as a $1,250 attorney fee (plus the applicable court filing fee). If you don’t have the full fee right now, call us to discuss prioritizing your payments. Call today to talk to a bankruptcy attorney.

Baxter & Baxter, LLP
1101 Broadway Street, Suite 213
Vancouver, Washington 98660
(360) 574-5239
Washington Bankruptcy

Baxter & Baxter, LLP
8835 SW Canyon Lane, Suite 130
Portland, Oregon 97225
(503) 297-9031
Oregon Bankruptcy

]]> http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/httpwww-sandiegobankruptcyattorneyblog-com/feed/ 0 Oregon & Washington Bankruptcy http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/oregon-washington-bankruptcy/ http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/oregon-washington-bankruptcy/#comments Tue, 27 Jul 2010 16:48:12 +0000 admin http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/oregon-washington-bankruptcy/ Oregon & Washington Bankruptcy This information is presented by the Bankruptcy Practice Group of Baxter & Baxter, LLP. The Portland, Oregon bankruptcy attorneys and Vancouver WA bankruptcy lawyers of the Bankruptcy Practice Group represent individuals in Chapter 7 and Chapter 13 bankruptcies. We offer a free initial phone consultation. We can stop collection calls from debt

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Oregon & Washington Bankruptcy

]]> http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/oregon-washington-bankruptcy/feed/ 0 Washington Bankruptcy Attorney http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/washington-bankruptcy-attorney/ http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/washington-bankruptcy-attorney/#comments Mon, 26 Jul 2010 14:37:00 +0000 Baxter & Baxter, LLP http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/washington-bankruptcy-attorney/ Vancouver Washington Bankruptcy Bankruptcy Attorney Below are a number of common myths about bankruptcy and explanations of the truth. Bankruptcy will Ruin My Credit Forever. False. It is true that bankruptcy can be reported on your credit report for up to 10 years after your case is filed, but the actual effect on your credit score varies depending on what your score was before you filed bankruptcy, and it is temporary because you can start rebuilding your credit immediately after filing your case. In many cases, especially for people who have very low credit scores before filing bankruptcy, their credit scores go up shortly after filing bankruptcy, as long as they maintain payments on obligations thereafter. Bankruptcy Relief is No Longer Available. This is not true. The new bankruptcy laws have made the process more burdensome in some cases, and altered eligibility for certain people, but for most people, if they were eligible before, then they are likely eligible now for bankruptcy relief. If I file bankruptcy I will have to repay some or all of my debts. This is false in most cases. For individuals, Chapter 7 is still available for most people, as set forth above. Sometimes if the analysis shows too much income on either the means test or current budget, you may have to do a repayment plan in a Chapter 13, but not usually. And a Chapter 13 is still a very workable option with other benefits. I will lose all my property if I file bankruptcy. False. Whether you get to keep your property depends on the value (or amount of equity) in any particular item of property and what exemptions you have available to protect the value in that asset. In the vast majority of cases in Oregon and Washington, you will be able to keep your property. Of course, analysis by a bankruptcy professional is necessary to accurately make that determination. This information is presented by the Bankruptcy Practice Group of Baxter & Baxter, LLP. The Portland, Oregon bankruptcy attorneys and Vancouver WA bankruptcy lawyers of the Bankruptcy Practice Group represent individuals in Chapter 7 and Chapter 13 bankruptcies. We offer a free initial phone consultation. We can stop collection calls from debt collectors and home foreclosures. We can advise consumers whether to file for bankruptcy, and what form of bankruptcy to file. “We are a debt relief agency. We help people file for relief under the Bankruptcy Code.” Resources Oregon Bankruptcy Law Vancouver Bankruptcy Lawyer Vancouver WA Bankruptcy Vancouver Washington Bankruptcy Portland Oregon Bankruptcy Attorney Vancouver WA Bankruptcy Law Portland Bankrupty Attorney Bankruptcy in Vancouver, WA Oregon Bankruptcy Attorney Washington Bankruptcy Oregon Bankruptcy Lawyers Portland Bankrupty Attorney Vancouver Washington Bankruptcy Attorneys Vancouver Bankruptcy Attorney Oregon Bankruptcy Attorney Portland Oregon Bankruptcy Vancouver WA Bankruptcy Attorneys Portland Bankruptcy Lawyer Washington Bankruptcy Lawyers Oregon Bankruptcy Washington Bankruptcy Attorney Oregon Bankruptcy Lawyer Oregon Bankruptcy Law Vancouver Bankruptcy Lawyer Vancouver WA Bankruptcy Vancouver Washington Bankruptcy Portland Oregon Bankruptcy Attorney Vancouver WA Bankruptcy Law Portland Bankrupty Attorney Bankruptcy in Vancouver, WA Oregon Bankruptcy Attorney Washington Bankruptcy Oregon Bankruptcy Lawyers Portland Bankrupty Attorney Vancouver Washington Bankruptcy Attorneys Vancouver Bankruptcy Attorney Oregon Bankruptcy Attorney Portland Oregon Bankruptcy Vancouver WA Bankruptcy Attorneys Portland Bankruptcy Lawyer Washington Bankruptcy Lawyers Oregon Bankruptcy Washington Bankruptcy Attorney Oregon Bankruptcy Lawyer

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Washington Bankruptcy Attorney

]]> http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/washington-bankruptcy-attorney/feed/ 0 Unlawful Debt Collection Practices http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/unlawful-debt-collection-practices/ http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/unlawful-debt-collection-practices/#comments Fri, 23 Jul 2010 15:21:00 +0000 Baxter & Baxter, LLP http://www.tualatin-bankruptcy-lawyer.com/newsfeed/2010/07/unlawful-debt-collection-practices/ Unlawful debt collection practices are regulated by a patchwork of state and federal laws. The basic principal of fair debt collection law is that a consumer who does not owe a debt should not be “dunned” with collection calls or letters. Even when a consumer does owe a debt, state and federal law recognize that collectors cannot engage in deceptive, harassing, or unfair debt collection practices. Unlawful debt collection practices often overlap other fields of consumer law, including identity theft, false credit reporting, and elder abuse cases. In general, debt collectors may not engage in the following types of behavior: Harassment 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, including: (1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. (2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. (3) The publication of a list of consumers who allegedly refuse to pay debts. (4) The advertisement for sale of any debt to coerce payment of the debt. (5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. (6) The placement of telephone calls without meaningful disclosure of the caller’s identity. False or misleading representation A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including: (1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. (2) The false representation of— (A) the character, amount, or legal status of any debt; or (B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. (3) The false representation or implication that any individual is an attorney or that any communication is from an attorney. (4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. (5) The threat to take any action that cannot legally be taken or that is not intended to be taken. (6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to— (A) lose any claim or defense to payment of the debt; or (B) become subject to any practice prohibited by the Fair Debt Collection Practices Act. (7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. (8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. (9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. (10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. (11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. (12) The false representation or implication that accounts have been turned over to innocent purchasers for value. (13) The false representation or implication that documents are legal process. (14) The use of any business, company, or organization name other than the true name of the debt collector’s business, company, or organization. (15) The false representation or implication that documents are not legal process forms or do not require action by the consumer. (16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency. Unfair Collection Practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including: (1) The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. (2) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector’s intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. (3) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. (4) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. (5) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. (6) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if— (A) there is no present right to possession of the property claimed as collateral through an enforceable security interest; (B) there is no present intention to take possession of the property; or (C) the property is exempt by law from such dispossession or disablement. (7) Communicating with a consumer regarding a debt by post card. (8) Using any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

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Unlawful Debt Collection Practices

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