A creditor may NOT:

• Tell anyone that you owe money;
• Send or put anything on an envelope that identifies the writer as a debt collector;
• Use threats of violence to harm anyone or anyone’s property or reputation;
• Falsely imply that the debt collector represents the United States government or any state government;
• Use any false name;
• Falsely imply that the debt collector is an attorney or represent that papers are legal forms, when they are not;
• Falsely imply that you committed any crime;
• Falsely represent that the debt collector operates or works for a credit bureau; or
• Falsely give CREDIT INFORMATION about you to anyone.