Laws About Collection Calls

Many times the nasty collection calls can become irritating because they are placed during the evenings when you are trying to feed your family or when you have company. The collection caller can become rude and even threatening. This is not necessary because you have rights as a debtor to your privacy at home. The fact that you owe a debt does not give the collector the right to call you anytime day or night and threaten or aggravate you.

You should check with your state legislation to find out what the law is concerning your state about receiving debt collection calls for your protection and peace of mind. There is a federal law that is in existence called the Fair Debt Collection Practices Act (FDCPA) that has set guidelines for when a debt collector can call. The reason is that some debt collectors can go overboard when it comes to trying to get you to make a payment. You may owe the bill but your circumstances prevent you from making a payment. You should get credit counseling followed by pay arrangements to each of your debtors to prevent any debt collector from taking you to court or causing your wage to be garnisheed when you are able to return to work. These are specific problems you might find yourself faced with when you owe and are not able to make a payment.

Whatever your circumstances that prevent you from making a payment you are protected by law from being harassed by debt collectors. The debt collectors may not call you during times "which should be known to be inconvenient." The debt collector may not call you if you have issued a letter of cease and desist all collection calls. The debt collector may call you only one time after receiving your letter. A debt collector does not have the right to call and harass you while you are at work jeopardizing your job. A debt collector may not call you if you are incapacitated by being hospitalized or in a nursing care facility. You have the right to recover from any severe accident or illness without being constantly harassed by a debt collector.

A debt collector prefers a phone call to written notices because what is being said cannot be used against them It is your right to request that they put all collections in writing, stating when you need to pay and how much. You have the right to dispute any wrong information and ask for documentation to prove what the debt collector is requesting that you owe. You as a debtor may owe the bill and should make some pay arrangements but you have the right to peace of mind in your home that is why there is a law that protects you from collection calls.