Debt collection?
Is it against the Federal Debt Collection Act for a debt collector to call 7 times a day? Even if its on a dialer phone?
I need help in this matter because It’s getting annoying. I feel like I’m be harrassed.
Please be serious in this matter.
Tags: collection, debt
9 Comments
It’s not, unless they actually get the person on the phone, and that person identifies himself/herself. It’s a tricky situation…you’re probably being hounded by a company called NCO. They are the worst. Record all of your conversations with them!
Debt collectors can call as many times as they want until they contact you or leave a message. Once they have estab;lished some form of contact with you they must cease calling you for the day.
In my days as a debt collector I would calll two or three times during the day but leave no mesage, waiting until the last call of the day to do so.
7 times a day is pretty heavy. You can send them a letter tellign them to cease contact with you and they HAVE to honor that request.
Look into the laws a bit further…
Unfortuantely No. 7 times a day does not seem excessive, assuming they did not reach you personally each time.
“Collections” get alot of leeway. They really have to go over the line, like calling every hour, or late at night to get in trouble.
Any regualr person who called you that much would be a case of harassment.
The courts view they are a special case, which deserve a chance to get the defualted money owed to them.
I suggest you pick up a book called Back Off. It’s written by a guy named Benjamin Dover. Yeah, it’s ben dover. Funny name but a real guy. His book will tell you all you need to know about how to alleviate the pain exacted by the debt collectors. You do not have to deal with them and getting them to stop calling permenantly is just a single letter away.
You need to send all those guys a Cease and Decist letter. After the C&D letter, they debt collectors are bound by law to only be able to contact you one more time. The debt then reverts back to the Current Owner of the debt.
Check out Ben’s website and feel free to email me if you have more questions.
Good Luck!!!!
yes as long as they do not talk to your directly –get rid of your phone and use the money to pay the debt and you will solve two problems!!!
I looked up what I could find. I already knew that debt collectors are not allowed to call before 8 am or after 9 pm. I couldn’t find a specific number of times they are allowed to call, but the article said they are not allowed to harass you!
Where can you report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’ s office and the Federal Trade Commission. Many states have their own debt collection laws, and your Attorney General’ s office can help you determine your rights.
The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261.
Call consumer Credit Counseling, they can help you.
General guidelines limit connects to 3 per day. Many debt collectors will hang up rather than leave a message in order to prevent that try from counting.
What frequently happens also is that multiple debt collectors may be trying to call.
Yes it is in violation of the FDCPA. Calling 7 times a day can be considered harassment. I’m in the Debt Collection business and 7 times a day is a little bit to much. Generally collectors cannot call before 9am and After 9pm, unless arrangements were made beforehand with the debtor.
You need to call the company and get their address and send them a Cease & Desist letter. If this is a collections law firm, after you send the C&D letter, they can only contact you to let you know what next official action they are going to take on the account.