Generally, debt collectors cannot call you at an unusual time or place, or at a time or place they know is inconvenient to you and they are prohibited from contacting you before 8 a.m. or after 9 p.m. If your employer does not allow you to receive personal calls at work you should let the debt collector know that.

How many times a week can a creditor call you?

As of Late 2021, Federal Law Limits Debt Collector Calls The collector calls more than seven times within seven consecutive days. The collector calls within seven consecutive days of having had a telephone conversation about the debt.

Can creditors call you on Sunday?

The FDCPA Prohibits Sunday Calls if They Are Inconvenient in Your Situation. While Sunday calls do not automatically violate the FDCPA, they are prohibited if the collector knows that Sunday is not a good day for you to receive collection calls.

When is the best time to call a debt collector?

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. But if the debt collector knows that you have special circumstances—such as an irregular work schedule that requires you to work nights—a call made between 8 a.m. and 9 p.m.

Can a debt collector call you back to back?

However, it does prohibit collectors from “causing the phone to ring repeatedly or continuously to annoy” you. In other words, debt collectors shouldn’t be calling you back to back, especially immediately after you’ve spoken to them or after you’ve asked them not to call.

Can a debt collector call your cell phone number?

There’s nothing in the law that says debt collectors can’t call your cellphone. If your cellphone number is the number you provided to the creditor when you applied for the loan or credit card, that’s the number debt collectors will use to contact you.

When to report a debt collector to the CFPB?

If you believe a debt collector is violating the law by calling you outside the allowed times or by calling more frequently than they should, especially after you’ve sent a cease and desist letter asking them to stop calling, you can report them to the CFPB and your state’s Attorney General.