Welcome to 'Credit 101' Episode 138! Debt collectors are prohibited from engaging in unfair practices under the Fair Debt Collection Practices Act (FDCPA). Here are some things debt collectors can't do in relation to unfair practices:

Threaten to take actions they cannot legally take: Debt collectors cannot threaten to seize your property, garnish your wages, or initiate legal action unless they are legally permitted to do so.
Add unauthorized fees or charges: Debt collectors cannot add fees or charges to your debt that are not authorized by the original creditor or allowed by law.
Deposit post-dated checks prematurely: Debt collectors cannot deposit post-dated checks before the specified date.
Misrepresent the debt or your rights: Debt collectors cannot misrepresent the amount or status of your debt, falsely claim to be an attorney or government official, or misrepresent your legal rights.
It's important to know your rights under the FDCPA to protect yourself from unfair debt collection practices. Tune in for more insights on managing debt responsibly and dealing with debt collectors.

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