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.

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