Texas Finance Code

§ 392.301 — THREATS OR COERCION

FI § 392.301Title 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES · Ch. 392. DEBT COLLECTION · Art. D. PROHIBITED DEBT COLLECTION METHODS

Statute text

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(a)In debt collection, a debt collector may not use threats, coercion, or attempts to coerce that employ any of the following practices:

(1)using or threatening to use violence or other criminal means to cause harm to a person or property of a person;

(2)accusing falsely or threatening to accuse falsely a person of fraud or any other crime;

(3)representing or threatening to represent to any person other than the consumer that a consumer is wilfully refusing to pay a nondisputed consumer debt when the debt is in dispute and the consumer has notified in writing the debt collector of the dispute;

(4)threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts;

(5)threatening that the debtor will be arrested for nonpayment of a consumer debt without proper court proceedings;

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Legislative history

Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.