Harassment Or Abuse

(1) A debt collector or collection service may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of this prohibition, the following conduct is a violation of this section: (a) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. (b) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. (c) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency. (d) The advertisement for sale of any debt to coerce payment of the debt. (e) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the dialed number. (f) Except as provided in section 0320-05-.02, the placement of telephone calls without meaningful disclosure of the caller’s identity.