【正文】 e incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. (2) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector39。 or 針對(duì)任何債務(wù)的特點(diǎn)、數(shù)量或者法律地位；或者(B) any services rendered or pensation which may be lawfully received by any debt collector for the collection of a debt. (3) The false representation or implication that any individual is an attorney or that any munication is from an attorney. (4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. (5) The threat to take any action that cannot legally be taken or that is not intended to be taken. (6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to (A) lose any claim or defense to payment of the debt。 False or misleading representations(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 、煩惱債務(wù)人的重復(fù)致電。 [15 USC 1692d]A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: 債務(wù)催收員不能采取騷擾、施壓、或其它過度行為去催收賬款。s spouse, parent (if the consumer is a minor), guardian, executor, or administrator. 本章所稱的“消費(fèi)者”包括消費(fèi)者的配偶，父母（如果消費(fèi)者是未成年人），法定監(jiān)護(hù)人，執(zhí)行人，或者管理人。s further efforts are being terminated。除了804條的規(guī)定，沒有消費(fèi)者事先的同意或者明確的認(rèn)可法院的管轄權(quán)，債務(wù)催收員不能和消費(fèi)者進(jìn)行任何相關(guān)債務(wù)催收的聯(lián)系(c) CEASING COMMUNICATION.s place of employment if the debt collector knows or has reason to know that the consumer39。 ，在債務(wù)催收人員知道或者應(yīng)當(dāng)知道的消費(fèi)者在那么一段時(shí)間或處在那個(gè)一個(gè)地點(diǎn)是不方便的，債務(wù)催收員可以假定依照消費(fèi)者當(dāng)?shù)貢r(shí)間消費(fèi)者在早上8點(diǎn)到下午9點(diǎn)聯(lián)系是方便的。 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of petent jurisdiction, a debt collector may not municate with a consumer in connection with the collection of any debt – 1. 沒有消費(fèi)者事先的同意或者明確的認(rèn)可法院的管轄權(quán)，債務(wù)催收員不能和消費(fèi)者進(jìn)行任何相關(guān)債務(wù)催收的聯(lián)系(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for municating with a consumer is after 8 o39。 805.(5) not use any language or symbol on any envelope or in the contents of any munication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the munication relates to the collection of a debt。(3) not municate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or inplete and that such person now has correct or plete location information。 [15 USC 1692b] 獲取債務(wù)人的位置信息Any debt collector municating with any person other than the consumer for the purpose of acquiring location information about the consumer shall –任何債務(wù)催收者出于獲取消費(fèi)者的位置信息的目的，在和除了消費(fèi)者本人的任何人聯(lián)系時(shí)，應(yīng)當(dāng)：(1) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer。 or (iv) concerns a debt obtained by such person as a secured party in a mercial credit transaction involving the creditor. (7) The term location information means a consumer39。 (E) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors。 Definitions [15 USC 1692a]As used in this title (1) The term Commission means the Federal Trade Commission. (2) The term munication means the conveying of information regarding a debt directly or indirectly to any person through any medium. (3) The term consumer means any natural person obligated or allegedly obligated to pay any debt. (4) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. (5) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. (6) The term debt collector means any person who uses any instrumentality of interstate merce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause (F) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 808(6), such term also includes any person who uses any instrumentality of interstate merce or the mails in any business the principal purpose of which is the enforcement of security interests. T