You know you have debt to pay back. You’re trying, but it’s taking longer than you had expected. With your regular bills, like your rent, car payment, insurance, food, gas, and other utilities, it feels impossible to set anything aside to pay down your debt. You’re trying, but the extra money just isn’t there.

The company or companies you owe money to don’t seem to understand this, or at least not care. They keep calling…and calling…and calling… and calling. Do you feel you’re being harassed? Is there a limit to how many times a debt collector can call you? It’s time you learn 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 collecting agents must not use improper methods or any form of harassment when contacting you. This means debt collectors agents are not allowed to use abusive language or intimidate you with physical violence. 

The FDCPA (Fair Debt Collection Practices Act) was approved in 1977 with the aim of eliminating abusive debt collection practices. Are you getting harassing calls from a debt collector at home or at work ? Are you receiving many calls per day from the same collector? Are debt collectors filling your voicemail box and calling at all hours of the day? You don’t have to put up with harassing calls. Some of these calls are illegal!

Federal law doesn’t give a specific limit on the number of calls a debt collector can place to you. However, a debt collector may not call you repeatedly or continuously intending to annoy, abuse, or harass you. A debt collector can’t 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’s presumed to be inconvenient. You do have a right to tell the debt collector to stop calling you.

Debt management with Safe Credit Solutions

Once you are already in debt, it’s essential to learn how to handle that debt efficiently. We have a team of professionals here to help you to keep up with financial obligations and make sure that you pay your debts off as quickly as possible. If you can’t keep up with paying it off, it is going to hurt your credit report and make it harder to get essential financial loans and lines of credit ranking in the future.

Our credit consultant will go over your current financial debt profile and help you to determine the best way to take care of it. They will teach you abilities like handling interest rates, combining financial debt that you can not afford to make the payments on, and setting up a paying back schedule that you can handle. This is just one of the services we offer. If you feel you’re being harassed and called more often than you should be, we can help with that too!