How Is A Debt Collector Allowed to Contact Me
A debt collector may directly contact a person, or indirectly, such as by mail, telephone, telegram, e-mail or fax. Without express permission or permission granted through a court order, a debt collector may not:
Contact someone at unreasonable places or times (such as before 8:00 a.m. or after 9:00 p.m. local time); or
Contact someone at work if they know the employer disapproves of personal calls; or
Contact someone when the debt collector is aware one is represented by an attorney.
Related Articles
Can Debt Collector Contact Others About One's Debt
If one has an attorney, the FDCPA prohibits a debt collector from contacting anyone other than one's attorney. If one does not have an attorney, the debt collector may contact other people, but only for the purpose of finding out where one lives or ...
Can One Stop Debt Collectors From Contacting and Calling
Yes. If one wants all debt collection contact to stop, and it is a debt collection agency rather than the original creditor who is contacting/calling, one has the right to request that they not contact the debtor again. This request must be in ...
The Account Is CLOSED But No Debt Collectors Have Contacted - What Next?
If 90+ days has passed and the original creditor has closed the credit account, it will immediately be sold to debt collectors. Be aware, it takes debt collectors time to initiate a collection process as they purchase "bulk debt bundles" and have a ...
Is It True That A Debt Collector Must Respond in 30 Days
This is actually false. The 30-day requirement is placed on consumers. While a consumer must send a validation request within 30 days of the first collection letter that contains the 30-day notice, a debt collector can take as long as he chooses to ...
5 Tips for Dealing with Debt Collectors
1. Debt collectors are not allowed to call before 8 a.m. or after 9 p.m. They must also stop all calls when requested by Certified Mail. 2. Most credit card accounts have a one-time settlement rate that’s preapproved by the debt collector. It is ...