Collection Calls

by Gary
(Arizona)

How often is a collection agency allowed to call me in Arizona ?

Comments for Collection Calls

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May 28, 2011
Collection Calls
by: Debtcollectionanswers.com

Gary- The federal Fair Debt Collection Practices Act (FDCPA), which applies to residents of all states, prohibits collectors from calling a consumer so frequently that it would amount to harassment. Although the law does not specify the exact number of calls that equals harassment, generally, if a collector calls you many times a day or a week, a court would probably consider that to be harassing behavior.

The FDCPA gives you the right to tell a debt collector not to contact you again and if you make that request, it's legally required to stop contacting you. You can read our advice on using a cease and desist letter to stop a debt collector here. The downside of ceasing all communication with the collector however is that the collector won't give you a heads up if it plans to sue you over your debt.

If you feel that the collector you are dealing with has violated the law, you may want to set up an appointment to discuss your options with a consumer law attorney in your area who helps consumers resolve debt collection problems; the initial appointment should be free. Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here.

In the meantime, print off some copies of our Free Debt Collection Worksheet and whenever the collector calls, note it on the sheet. The information could be invaluable if you end up suing the collector.

I also recommend that you purchase a copy of our ebook, Debt Collection Answers, which clearly explains your options when you are contacted by a debt collector, reviews all of your legal rights, explains what you can and cannot do when dealing with a collector, and so on. You can read the first chapter of Debt Collection Answers online for free.


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