What CAN Debt Collectors do?

     Debt collectors CAN call you at your place of employment, but they are not allowed to inform anyone there about the nature of their call. Also, if the debt collector knows your employer does not permit such calls, or if you have notified the debt collector that it is inconvenient for you to receive such calls at work, they must stop contacting you there.

     Debt collectors are only allowed to contact others (your neighbors, family members, or friends) to find location information about you that they do not already have, such as your telephone number, and where you currently live and work. If the debt collector already knows this information and calls third parties about you anyway, or tells anyone they contact that they are trying to collect a debt from you, they are in violation of the FDCPA. Debt collectors cannot contact others simply to “verify” information they already have.

     A debt collector is only allowed to call you between the hours of 8:00 a.m. and 9:00 p.m. If a debt collector calls you outside of these times, make a note of the date and time of the call, save all voicemails, and contact us.

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