58-70-100. Harassment.
No collection agency shall use any conduct, the natural consequence of which is to oppress, harass, or abuse any person in connection with the attempt to collect any debt. Such conduct includes, but is not limited to, the following:
(1) Using profane or obscene language, or language that would ordinarily abuse the typical hearer or reader;
(2) Placing collect telephone calls or sending collect telegrams unless the caller fully identifies himself and the company he represents;
(3) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person under the circumstances or at times known to be times other than normal waking hours of the person;
(4) Placing telephone calls or attempting to communicate with any person, contrary to his instructions, at his place of employment, unless the collection agency does not have a telephone number where the consumer can be reached during the consumer's nonworking hours. (1979, c. 835.)
Structure North Carolina General Statutes
North Carolina General Statutes
Article 70 - Collection Agencies.
§ 58-70-1 - Permit from Commissioner of Insurance; penalty for violation; exception.
§ 58-70-5 - Application to Commissioner for permit.
§ 58-70-10 - Application to Commissioner for permit renewal.
§ 58-70-15 - Definition of collection agency and collection agency business.
§ 58-70-20 - Bond requirement.
§ 58-70-25 - Record of business in State.
§ 58-70-30 - Hearing granted applicant if application denied; appeal.
§ 58-70-35 - Application fee; issuance of permit; contents and duration.
§ 58-70-45 - Disposition of permit fees.
§ 58-70-50 - All collection agencies to identify themselves in correspondence.
§ 58-70-60 - Statements to be furnished each collection creditor.
§ 58-70-65 - Remittance trust account.
§ 58-70-70 - Receipt requirement.
§ 58-70-75 - Creditor may request return of accounts.
§ 58-70-80 - Return of accounts and all valuable papers upon termination of permit.
§ 58-70-85 - Application of funds where there is a debtor-creditor relationship.
§ 58-70-95 - Threats and coercion.
§ 58-70-105 - Unreasonable publication.
§ 58-70-110 - Deceptive representation.
§ 58-70-115 - Unfair practices.
§ 58-70-120 - Unauthorized practice of law; court appearances.
§ 58-70-125 - Shared office space.
§ 58-70-130 - Civil liability.
§ 58-70-145 - Complaint of a collection agency plaintiff must contain certain allegations.
§ 58-70-150 - Complaint of a debt buyer plaintiff must be accompanied by certain materials.