You know you have debts to pay. You’re trying, but it’s taking longer than you expected. With your fixed expenses—rent, car payments, insurance, food, gas, and other bills—it may seem impossible to set aside extra money to reduce your debt. You’re doing your best, but the extra cash simply isn’t there.
The company (or companies) you owe money to doesn’t seem to understand—or at least doesn’t seem to care. They keep calling… and calling… and calling. Do you feel like you’re being harassed? Is there a limit to how many times a debt collector can call? It’s time to understand the protections the law gives you.
How Many Times Can a Debt Collector Call Me?
First, it’s important to remember that when a debt collector calls you, you have legal rights. Collection agents are not allowed to use improper methods or any form of harassment when contacting you. This means they cannot use abusive language or threaten you with violence.
The Fair Debt Collection Practices Act (FDCPA), passed in 1977, was designed to eliminate abusive debt collection practices.
Are you receiving harassing calls at home or at work? Do you get multiple calls a day from the same collector? Are they filling up your voicemail and calling at all hours? You don’t have to tolerate it—some of those calls may actually be illegal.
Federal law does not set a specific number of calls that collectors are allowed to make. However, it does state that a debt collector cannot call repeatedly or continuously with the intention of annoying, abusing, or harassing you. They also cannot call at unusual hours or at a place they know is inconvenient for you, such as your workplace. Calls before 8 a.m. or after 9 p.m. are generally considered inappropriate.
You also have the right to tell them to stop calling.
Debt Management with Safe Credit Solutions
Once you’re already dealing with debt, it’s essential to learn how to manage it effectively. Our professional team is here to help you meet your obligations and work toward paying them off as soon as possible. If you’re unable to catch up, your credit report may be affected, making it harder to obtain loans and credit lines in the future.
A credit consultant can analyze your debt profile and help you determine the best strategy—understanding interest rates, consolidating unmanageable debts, and creating a sustainable repayment plan. This is just one of the services we offer.
If you feel that you are being harassed with excessive calls, we can also help you address and manage that situation.
