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Annoying and Harassing Phone Calls from Debt Collector

by MAT
(Atlanta)

Due to loss of income, I have been unable to pay one of my credit card bills. The account has been turned over to a third party. I have been very honest with them regarding my situation. EVEN though it is well within there right, i guess, they have called for the last 5 days asking the same question over and over. I feel that they are calling with "intent to harass and annoy"..especially if i have spoken with someone within the last 12-24hours. There's enough stress right now trying to work my way out of this situation, that I dont need to continue to repeat myself with them. I have their contact information even though the number shows up as "unknown caller"
What are my rights, if any, and how should i handle the situation of annoying phone calls? If they wish to call every 2-3 days with an update,that's great, i can handle that. But every day? that is a bit overkill. Should i answer every 2 days, cotinue to talk to them, etc Your opinion is appreciated.

Comments for
Annoying and Harassing Phone Calls from Debt Collector

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Mar 02, 2010
 repeated phone calls
by: Gerri

First, thanks for submitting your question about debt collector phone calls on our Q&A page.

You are right in your understanding that debt collectors cannot call repeatedly with the intent to harass you. There is no specific number of calls that are allowed or prohibited, however. That's left up to the courts to decide.

I assume you are taking notes of every call from the collection agency. If you do talk to them, be sure to take notes. You can use our Free Debt Collection Worksheet for that.

At this point, I see no reason why you shouldn't consult a consumer law attorney. You can either contact a local consumer law attorney with experience in debt collection cases, or call the Collection Complaint Hotline at 888-711-5143 for a free, confidential case evaluation.

I would be interested in hearing what they have to say. It certainly sounds to me like the debt collector could be breaking the law.

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