Debt collectors cannot call you at unusual or inconvenient times or places. Generally, they may call between 8 a.m. and 9 p.m., but you may ask them to call at other times if those hours are inconvenient for you.

How many times in a day can a debt collector call?

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

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.

What to do before making a collections call?

Before making a collections call, make sure you are fully relaxed, and regardless of how bad your last collections call was. Tell yourself “ I will remain calm during this call, no matter what “. Let’s agree, a collections call from a debt collector is really that last thing any person wants to receive on any given day.

Is it legal to record a collection call?

Some debt collectors record collection calls. You are legally required to disclose that you are a debt collector and calling regarding an unpaid bill. A little off the topic – These states require All-Party Consent if the call is being recorded.

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.