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WVC 46 B- 4 - 4 §46B-4-4. Threats or coercion.  No debt
collector shall collect or attempt to collect any money alleged
to be due and owing by means of any threat, coercion or attempt
to coerce. Without limiting the general application of the
foregoing, the following conduct is deemed to violate this
section:  (1) The use, or express or implicit threat of use, of
violence or other criminal means to cause harm to the person,
reputation or property of any person;  (2) The accusation or
threat to accuse any person of fraud, any crime or any conduct
which, if true, would tend to disgrace such other person or in
any way subject him to ridicule or any conduct which, if true,
would tend to disgrace such other person or in any way subject
him to ridicule or contempt of society;  (3) False accusations
made to another person, including any credit reporting agency,
that a consumer is willfully refusing to pay a just debt or the
threat to so make false accus