Debt Collection FAQ’s

  1. What times can a debt collector call me?
    A debt collector is only able to call you from 8:00 am to 9:00 pm. They are not allowed to call you outside of these hours unless you request that they do so. If you are getting phone calls outside of these hours, ask to speak to the collector’s manager and report them. If this does not work, you may need to contact the Federal Trade Commission (FTC).

  2. Can a debt collector call me at work?
    A debt collector can call you at work. However, if you tell them that you can not receive such calls, then they are obligated to stop.

  3. How can I stop debt collectors from calling me? You can stop collectors from calling you by simply writing them and requesting that they stop. They may contact you one more time to let you know that they will no longer be calling you. Your debt is still outstanding and this doesn’t erase your debt.

  4. How can I get a debt collector stop calling me at work? You can get a debt collector to stop calling you at work by telling them that your boss doesn’t allow collection calls. If they continue to call, write them a letter with the same request. It is lawful that they honor your request.

  5. How do I report a debt collector that is abusing me? If you find yourself being abused by a debt collection agency or one that continues to act outside the scope of the law, you may report them to your state’s Attorney General’s office or to the Federal Trade Commission (FTC).

  6. Can I sue a debt collection company?
    Yes, you can sue a debt collection company in Federal court if they break the law. You will need evidence, so it is important that you keep all correspondence and tape all phone calls to support your case.

  7. Can a debt collector call me names or threaten me? No. A debt collector is not allowed to call you names or threaten you. If you experience such abuse be sure to call the Federal Trade Commission or your state’s Attorney General’s office.

  8. Is it legal for debt collectors to call my family, friends or neighbors? Yes. Debt collectors are allowed to call your family, friends or neighbors one time to attempt to get your contact information or to pass a message along.

  9. Can I negotiate a lower balance with debt collectors? Yes. Often times you are able to negotiate a lower balance with your debt collectors. You typically will have much more success if you have missed a few payments.

  10. Can a debt collection company sue me or send me to jail? Yes. A debt collection can sue you if you have failed to pay back a debt. However, they can not have you jailed.