Constant calling from debt collectors is frustrating, and if collectors call you at work, this can invoke embarrassment. Debt collectors must follow guidelines when telephoning to collect money owed. Some debt collectors are responsible and treat debtors with respect. If you encounter a problem collector who calls your phone or office multiple times a day, you can limit or completely stop telephone contact.
Who Are Debt Collectors
Debt collectors include mortgage companies, credit card companies or collection agencies hired by creditors to collect money that's past due on an account. Some banks and companies have a collections department, and individuals working in this department contact debtors to acquire a payment over the phone or establish a payment plan. Debt collectors can sue for non-payment if telephone calls or letters do not trigger a response from debtors.
Time Frame
Debt collectors are permitted to call your home to collect funds, but this does not give them the right to telephone at any hour of the day. According to the Federal Trade Commission, collection calls cannot take place before 8 a.m., and collectors must stop telephone communication at 9 p.m.
Debt Collectors and Work
Loan applications may ask for your employer's telephone number. If you default on the payment, creditors and debt collectors may pull your record and use the work number listed on your application. Simply tell the debt collector not to contact your job in order to stop telephone calls to your office.
Limit Contact at Home
Some debt collectors realize that the majority of consumers do not research or know their rights. Collectors may take advantage of this lack of knowledge and constantly call your house telephone. In the same way you can request collectors to stop calling your job, you can also ask them to stop calling your home. Collectors accept these requests in writing, by fax or over the telephone. Understand, however, the collector can still file a lawsuit to receive payment.
Considerations
Standing up to a debt collector and demonstrating that you know your rights can usually stop harassment and constant calling. When a debt collector disregards your request and continues to harass or constantly call your home or office, you can complain to the Federal Trade Commission. Submit your complaint by visiting FTC.gov.
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