Which actions would be considered harassment under the Fair Debt Collection Practices Act?

Harassment under the Fair Debt Collection Practices Act (FDCPA) is defined by actions that create an oppressive or abusive environment for the debtor. Using obscene language or threatening violence falls squarely within this definition, as such behavior is intended to intimidate or coerce the debtor, violating the protections afforded by the FDCPA. The Act explicitly prohibits collectors from employing abusive, deceptive, or unfair practices in the collection of debts, and the use of threats or obscene language is a clear violation that would be deemed harassment.

In contrast, calling to collect debts during business hours is a permissible action, as the FDCPA allows for communication at reasonable times. Providing payment options to the member or sending friendly reminders about debt both represent attempts to engage with the debtor in a supportive manner and do not constitute harassment. These actions are aligned with compliant debt collection practices, focusing on customer service rather than intimidation.