• Threatening to have the alleged debtor in court within a week if the debt is not paid. No courts work that quickly.

• Using abusive, harassing and misleading words such as deadbeat, loser, criminal and untrustworthy toward the alleged debtor.

• Threatening that failing to pay will lead to arrest, imprisonment, garnishment of wages, sale of property or legal action.

• Threatening to collect interest, attorney fees, collection costs or any other monetary amounts not in the original debt creation document.

Information: citizensreformcenter.org and mickeyonbanking.org Paoletta can be contacted at 717-903-3061.