Whether or not you owe the debt, debt collectors cannot harass you. If your phone is ringing night and day you may be wondering what hours are debt collectors allowed to call? How often can a debt collector call?
Read more to learn about the hours debt collectors may call and what do if you're being harassed by a debt collector. Low-wage workers may call our office for a free legal consultation.
What do I do when a debt collector won’t stop calling me or threatening me?
The Fair Debt Collection Practices Act makes it illegal to call you after 9:00 p.m. and before 8:00 a.m. Debt collectors may not harass you, threaten you with actions they cannot legally take, lie to you or engage in unfair and deceptive practices. If you are being harassed, call a consumer attorney. Low-wage workers can call the Heartland Center free of charge.
Under the law, you can make a debt collector stop contacting you by sending a cease and desist letter. You should know, however, that stopping the calls does not make the debt go away.
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