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Under the F T C's Fair Debt Collection Practices Act, collection agencies may not use any false, deceptive, or misleading representations or means to collect debts. They may not harass, oppress, or abuse any person while attempting to collect a debt. A debtor may be contacted between 8 a.m. and 9 p.m. only and can be contacted at work unless instructed not to. Collectors may not tell others about the debtor's personal finances.

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