Pietrafesa J Anthony

If you've received letters or phone calls from one or more of the agencies and attorneys on this list. Imply that failure to pay the debt could result in arrest, imprisonment, seizure of property, or garnishment of wages. Talk with third parties, including neighbors, children, and employers, for purposes other than acquiring location information about consumers, without consumers' consent.

Cause the telephone to ring, or engage a person in telephone conversations, repeatedly or continuously, with the intent to annoy, abuse, or harass a consumer. Threaten to take action -- such as filing a lawsuit -- when they do not intend to do so or cannot legally do so. Fail to notify consumers of their right to dispute and obtain verification of their debts, and to obtain the name of the original creditor.