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. Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here.

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.

May 22, 2011
Debt Collector Calls
by: Anonymous

I get these calls too, but it's on my cell/business line, so when waiting for an important callback I'll get some bill collector jamming up the line and causing me headaches. My name is Steve xxxx and that are usually looking for S**** xxxx - same last name, and same first initial. This is absurd since my last name is fairly common. Changing my number isn't a way out as I use my cell for work purposes. I had to download and pay for a call blocking app - http://www.everycall.us/store/. It's nice that it has an inbuilt database of telemarketers and debt collectors. Saves me a lot of time.

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