Debt Collection Laws: How Many Times a Day Can a Debt Collector Call?

Knowing your rights as a debtor is crucial in the realm of debt collection. There are restrictions on what debt collectors can do, despite the fact that they can be ruthless in their pursuit of money. How often a debt collector can call is one of the most frequent queries from debtors. The solution is more complicated than you may imagine.

The Fair Debt Collection Practices Act (FDCPA) places restrictions on how frequently debt collectors may contact you each day. They can only phone you “several” times per day, specifically. Unfortunately, “several” is not defined in the FDCPA. According to some courts, this means three or four times every day, while other courts have permitted up to seven calls. What Debt Collection Agencies May Not Do

There are many limitations on the activity of debt collectors, even though they are permitted to contact you in order to collect a debt. For instance, they are not permitted to contact you outside of “reasonable” hours, which are normally 8 a.m. and 9 p.m. in your time zone. Additionally, they are not allowed to annoy or threaten you, speak in an offensive or profane manner, or otherwise misrepresent themselves. Do debt collectors require a court order? While a court order is not required for debt collectors to contact you, it is required for them to conduct certain legal steps against you. To garnish your salary or seize your property, for instance, a court order might be required. A debt collector is in violation of the FDCPA if they threaten to sue you without a court order. Are You Threatened by a Collection Agency? No, debt collectors cannot in any way threaten you. This includes expressing a desire to sue you, threatening to harm you physically, or threatening to lower your credit score. It’s crucial to record the conversation and notify the Consumer Financial Protection Bureau (CFPB) if a debt collector threatens you.

You can write a “611 letter” to debt collectors to ask them to cease contacting you if you are being harassed by them. Sending this letter via certified mail with a return receipt requested will give you delivery confirmation. Once a debt collector receives a 611 letter, they are only permitted to get in touch with you to acknowledge receipt of the letter or to let you know whether they intend to take legal action.

Finally, the FDCPA does not provide a specific restriction on the number of times a day that debt collectors may contact you. Additionally, it is against the law for debt collectors to intimidate, threaten, or misrepresent themselves to debtors. You can send a 611 letter to debt collectors to ask them to stop contacting you if you are the victim of harassment. You can report a debt collector to the CFPB or seek legal advice if they are infringing on your FDCPA rights.