Unfair Collection Practices. Banks, subsidiary/affiliate credit card companies, collection agencies, counsels and other agents may resort to all reasonable and legally permissible means to collect amounts due them under the credit card agreement:
Provided, That in the exercise of their rights and performance of duties, they must observe good faith and reasonable conduct and refrain from engaging in unscrupulous or untoward acts.
Without limiting the general application of the foregoing, the following conduct is a violation of this Subsection:
a) the use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person;
