AI-assisted research summary: A lessor has multiple limits on collection-related communications and conduct, including restrictions on deceptive statements, contact methods, contact timing, third-party contacts, harassment, and certain credit-reporting actions.
44-6806 - Collection practices 44-6806 . Collection practices A. A lessor shall not engage in any unlawful or deceptive conduct or make any untrue or misleading statement in connection with the collection of any payment owed by a consumer or the repossession of any rental property. B. All of the following apply to any communication by a lessor with any person other than the consumer for the purpose of acquiring information about the location of a consumer or of any rental property: 1. The lessor shall identify itself and state that the lessor is confirming or correcting location information concerning the consumer. 2. The lessor shall not communicate with any person more than once unless requested to do so by the person or unless the lessor reasonably believes that the earlier response is erroneous or incomplete and that the person now has correct or complete location information. 3. The lessor shall not communicate by postcard. 4. The lessor shall not use any language or symbol on any envelope or in the contents of any communication that indicates that the communication relates to the collection of any payment or the recovery or repossession of rental property. 5. The lessor shall not communicate with any person other than the consumer's attorney after the lessor knows the consumer is represented by an attorney and has knowledge of, or can readily ascertain, the attorney's name and address, unless the attorney fails to respond within a reasonable period of time to communication from the lessor or unless the attorney consents to direct communication with the consumer. C. Without the prior consent of the consumer given directly to the lessor or the express permission of a court of competent jurisdiction, a lessor shall not communicate with a consumer in connection with the collection of any payment or the recovery or repossession of rental property at any of the following: 1. The consumer's place of employment. 2. Any unusual time or place or a time or place known or that should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a lessor shall assume that the convenient time for communication with a consumer is after 8:00 a.m. and before 9:00 p.m., local time, at the consumer's location. D. A lessor shall not communicate, in connection with the collection of money or repossession of property under a rental-purchase agreement, with any person other than the consumer, the consumer's attorney or the lessor's attorney, except to the extent the communication is any of the following: 1. Reasonably necessary to acquire location information concerning the consumer or the rental property as provided in subsection B. 2. On the prior consent of the consumer given directly to the lessor. 3. On the express permission of a court of competent jurisdiction. 4. Reasonably necessary to effectuate a postjudgment judicial remedy. E. If a consumer notifies the lessor in writing that the consumer wishes the lessor to cease further communication with the consumer, the lessor shall not communicate further with the consumer with respect to the rental-purchase agreement, except for any of the following: 1. To advise the consumer that the lessor's further efforts are being terminated. 2. To notify the consumer that the lessor may invoke specified remedies allowable by law that are ordinarily invoked by the lessor. 3. If necessary to effectuate any postjudgment judicial remedy. F. A lessor shall not harass, oppress or abuse any person in connection with a rental-purchase agreement, including engaging in any of the following conduct: 1. Using or threatening the use of violence or any criminal means to harm the physical person, reputation or property of any person. 2. Using obscene, profane or abusive language. 3. Causing a telephone to ring, or engaging any person in a telephone conversation, repeatedly or continuously with intent to annoy, abuse or harass any person. 4. Placing telephone calls without disclosure of the caller's identity. G. A lessor shall not report any late payment, default or repossession to a consumer reporting agency, if the lessor either: 1. Advertises "no credit check" or otherwise states or implies that no inquiry will be made of a consumer credit history or creditworthiness. 2. Does not obtain a consumer credit report or investigative consumer report on a person before entering into a rental-purchase agreement with that person.