1) A creditor may not collect any interest, fee, or charge unless (a) it is legal and (b) it was expressly authorized in the original agreement creating the debt.
2) If a creditor accepts a check that is more that 5 days postdated, he must notify the consumer in writing a minimum of 3 days and a maximum of 10 days before depositing the check.
3) A creditor may not solicit a postdated check for the purpose of threatening or instituting criminal prosecution.
4) A creditor may not deposit or threaten to deposit a postdated check before its intended date.
5) A creditor can not cause charges to be incurred by you for the sake of communication such as a collect phone call or telegram fees.
6) A creditor may not threaten nonjudicial action to take property if (a) there is no right to the property or (b) he does not intend to take such action or (c) the property is exempt from such action.
7) A creditor may not use any means of mail that might be embarrassing to you such as a post card or an envelope with a symbol or wording that indicates that it is a debt collection letter. He may use his business name on the envelope if it doesn't indicate that it is a debt collection business.
8) A creditor may never give false credit information about you to anyone.
)
