False, deceptive, or misleading representations.
False, deceptive, or misleading representations.
(1) A debt collector must not falsely represent or imply that:
(i) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof.
(ii) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603(f) of the Fair Credit Reporting Act (15 U.S.C. 1681a(f)).
(iii) Any individual is an attorney or that any communication is from an attorney.
(iv) The consumer committed any crime or other conduct in order to disgrace the consumer.
(v) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to:
(A) Lose any claim or defense to payment of the debt; or
(B) Become subject to any practice prohibited by this part.
(vi) Accounts have been turned over to innocent purchasers for value.
(vii) Documents are legal process.
(viii) Documents are not legal process forms or do not require action by the consumer.
(2) A debt collector must not falsely represent:
(i) The character, amount, or legal status of any debt.
(ii) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.
(3) A debt collector must not represent or imply 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.