Collectors Coming to My Home

by Katie
(brandon, ms, usa)

Just wanted to know if a debt collector coming to your home is considered harassment. Also along with that, had a text from someone I didn't know who was acting like he was my friend and it was an emergency that I call him, and wrong, it was the same company. I have had this company come to my home, 2 times in the past 4 years. And the text thing only once. I was told that since they are the original creditor that the fair debt practices act did not apply to them. Is that true? And is what they are doing considered harassment? They also call my cell # once a day and my work # once a day.

I'm just confused. I want to pay them, but when i weigh groceries against that debt, groceries always win.

Comments for Collectors Coming to My Home

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Jan 17, 2010
collection agency visits and text messages
by: Gerri

Katie -

I am curious who this creditor is and how much you owe. What kind of debt is this and how much do you owe?

That aside, the federal Fair Debt Collection Practices Act does not apply to creditors, however there may be a state law that provides protection against unfair collection practices by creditors. Even if the FDCPA did apply, I am not aware of any specific prohibition against house calls by collectors. However, the text message you received very well could be considered illegal under the FDCPA. (Generally collectors can't use misleading methods to try to collect.)

I would suggest you talk with an attorney to find out whether this company's collection practices are legal. Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here.

Let us know what happens. We're very interested in how this turns out for you.

Jan 23, 2015
Debt collector
by: Araceli

I will like to know can a debt collector come to your home ring the door bell at midnight and have the wrong house. Is that possible?

Reply from

A third party debt collector should not be showing up at someone's home at midnight. If something like this happens to you again we would suggest you call the police.

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