Communication Restrictions: Debt collectors must respect the consumer's right to privacy. They cannot call before 8 AM or after 9 PM, and they cannot contact consumers at their workplace if they are aware that such calls are prohibited by the employer. Prohibition of Harassment: The FDCPA prohibits debt collectors from using abusive, unfair, or deceptive practices. This includes threats of violence, use of obscene language, and repeated phone calls intended to annoy or harass. Validation of Debt: Consumers have the right to request a validation of the debt. Debt collectors must provide verification of the debt within five days of initial contact. False Representations: Debt collectors cannot falsely represent the amount, legal status, or character of the debt. They also cannot falsely claim to be attorneys or government representatives.