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According to the guidelines outlined by the Federal Trade Commission, unfair debt practices include the following:
- Applying a payment to a debt that you are unaware of or do not believe you owe.
- The act of depositing post dated checks prior to the due date
- The collection of a debt greater than the debt owed; unless your state authorizes such charges.
- Make false threats regarding the confiscation of property
For more information on fair debt collection practices, visit the Federal Trade Commission (FTC) website at www.ftc.gov.