The company or companies you owe money to don’t seem to understand this, or at least they don’t care. They keep calling… and calling… and calling… and calling. Do you feel like you’re being harassed? Is there a limit to the number of times a debt collector can call you? It’s time you learned more about the protections for you built into the law.
How many times can a debt collector call me?
First, one of the most important things you need to know when a debt collector calls you is that you have legal rights. Debt collection agents must not use improper methods or any form of harassment when communicating with you. This means that debt collection agents cannot use abusive language or intimidate you with physical violence.
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 with the goal of eliminating abusive debt collection practices. Do you receive harassing calls from a debt collector at home or at work? Do you receive multiple calls a day from the same collector? Do debt collectors fill up your voicemail and call at all hours of the day? You don’t have to put up with harassing calls. Some of these calls are illegal!
Federal law does not set a specific limit on the number of calls a debt collector can make to you. However, a debt collector cannot call you repeatedly or with the continued intent to annoy, abuse, or harass you. A debt collector cannot call you about your consumer debt at an unusual or inconvenient time. If a debt collector calls you before 8 a.m. in the morning or after 9 p.m. at night, it is assumed to be an inconvenience. You have the right to tell the debt collector to stop calling you.
Debt Management with Safe Credit Solutions
Once you’re already in debt, it’s essential to learn how to manage that debt efficiently. We have a team of professionals here to help you stay on top of your financial obligations and ensure you pay off your debts as quickly as possible. If you can’t continue paying them, it will damage your credit report and make it difficult to obtain essential financial loans and qualifying lines of credit in the future.
Our credit counselor will review your current financial debt profile and help you determine the best way to manage it. They’ll teach you skills such as managing interest rates, combining financial debts you can’t afford, and establishing a manageable payment schedule. This is just one of the services we offer. If you feel like you’re being harassed and called more often than you should, we can help you too!
