How often can collectors or creditors call me?
If you believe you are a victim of unfair or illegal debt collection tactics, submit your information to a FREE* Fair Debt Lawyer by:
- Clicking here for a FREE* Fair Debt Case Review;
- Calling toll free 888-FDCPA-LAW (888-332-7252);
- Clicking here to locate a FREE* Fair Debt Lawyer.
The debt collector may just be liable to you for statutory damages of up to $1,000, plus any actual damages suffered, plus attorney fees!
Although the FDCPA does not specifically say how many times collectors can call, the Federal Trade Commission (FTC) has published their interpretation of the FDCPA. The FTC says debt collectors’ calls must be for a productive purpose such as verifying information, following up on a previous conversation and so forth. They cannot keep calling you for the sole purpose of demanding payment; doing so is harassment.
It’s important to note that creditors are exempt from this federal requirement, however your State Laws may prohibit this activity.