704-BLOSSOM
There's a reason that debt collectors have such a bad reputation-they are aggressive and often blatantly disregard the law in their attempts to get a payment from a debtor. Even worse, most consumers do not know their rights or are too ashamed of their financial situation to advocate for themselves. Even if you are behind on payments, you do not deserve to have your rights ignored. If a debt collector tries these practices, they could be in violation of state or federal law. Companies that break debt collection laws may have to pay the victim a fine for each and every violation.
1. Calling After Being Asked to Stop
If you do not wish to receive calls anymore, you can request that all communication regarding your debt be done in writing. You should make this request in writing and send it via certified mail. If the collector continues to call after receiving this letter, they are violating the Fair Debt Collection Practices Act.
2. Calling an Unreasonable Amount of Times or at Unreasonable Hours
While the law doesn't say how many calls are allowed in a 24-hour period, it does say that collectors can't call too frequently or place an unreasonable amount of calls. Furthermore, they cannot call before 8 A.M. or 9 P.M. The exception to this rule: they may call you outside these hours if you make arrangements with them to discuss your debt outside this time frame.
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