No person employed by a licensee to collect or attempt to collect any debt owed or due or asserted to be owed or due may: (1) Harass, oppress, or abuse a borrower by: (a) Using any threat of violence or harm; (b) Publishing a list of names of borrowers who refuse to pay their debts absent providing such information to credit reporting companies; (c) Using obscene or profane language; or (d) Repeatedly using the phone with the intent to annoy borrowers; (2) Use any false statement when attempting to collect a debt by falsely: (a) Claiming to be an attorney or government representative; (b) Claiming that the borrower has committed a crime; (c) Representing that the licensee operates or any person employed by the licensee works for a credit reporting company; (d) Representing the amount the borrower owes; (e) Representing the nature and character of any forms sent to the borrower in order to collect a debt; (f) Indicating that the borrower will be arrested if the debt isn't paid; (g) Using a company name; (h) Indicating that the licensee will seize, garnish, attach, or sell a borrower's property or wages unless the licensee is permitted by law to take the action and the licensee intends to do so; (i) Indicating that legal action will be taken against the borrower, if doing so would be illegal or if the licensee does not intend to take the action; (3) Give false credit information about the borrower to anyone, including a credit reporting company; (4) Attempt to collect any interest, fee, or other charge on top of the amount a borrower owes unless the contract that created the debt or state law allows the charge; (5) Deposit a post-dated check early; (6) Take or threaten to take the borrower's property unless it can be done legally; or (7) Cause misleading information to be transmitted to users of caller identification technologies or otherwise block or misrepresent the identity of the caller or entity as described in subdivision 37-24-6 (16).
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