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     54-4-77.   Prohibited debt collection tactics. No person employed by a licensee to collect or attempt to collect any debt owed or due or asserted to be owed or due may:
             (1)      Harass, oppress, or abuse a borrower by:
             (a)      Using any threat of violence or harm;
             (b)      Publishing a list of names of borrowers who refuse to pay their debts absent providing such information to credit reporting companies;
             (c)      Using obscene or profane language; or
             (d)      Repeatedly using the phone with the intent to annoy borrowers;
             (2)      Use any false statement when attempting to collect a debt by falsely:
             (a)      Claiming to be an attorney or government representative;
             (b)      Claiming that the borrower has committed a crime;
             (c)      Representing that the licensee operates or any person employed by the licensee works for a credit reporting company;
             (d)      Representing the amount the borrower owes;
             (e)      Representing the nature and character of any forms sent to the borrower in order to collect a debt;
             (f)      Indicating that the borrower will be arrested if the debt isn't paid;
             (g)      Using a company name;
             (h)      Indicating that the licensee will seize, garnish, attach, or sell a borrower's property or wages unless the licensee is permitted by law to take the action and the licensee intends to do so;
             (i)      Indicating that legal action will be taken against the borrower, if doing so would be illegal or if the licensee does not intend to take the action;
             (3)      Give false credit information about the borrower to anyone, including a credit reporting company;
             (4)      Attempt to collect any interest, fee, or other charge on top of the amount a borrower owes unless the contract that created the debt or state law allows the charge;
             (5)      Deposit a post-dated check early; or
             (6)      Take or threaten to take the borrower's property unless it can be done legally.

Source: SL 2015, ch 242, ยง 6.

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