Can a debt collector call me five times a days even if I have talked with them already? I haven't received a letter from them (NCO) and on my caller id show different phone numbers but all said (NCO)



Comments for Harassment

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Sep 16, 2009
Debt collector harassment
by: Gerri


The Fair Debt Collection Practices Act does not specify how many phone calls in what period of time constitutes harassment - that is usually left up to the courts to decide. But five phone calls in one day when they have already talked with you could potentially be considered harassment. I hope you are taking notes on our free debt collection worksheet so you have a record of when they called.

In addition, the FDCPA requires debt collectors to send you a written notice of the debt within 5 days of when they originally contact you about it. If it has been longer than that, and you still haven't seen anything from them, I would suggest you contact a consumer law attorney for advice. The first consultation is often free, but be sure to ask. The fact that you have been taking careful notes should help.

You may also want to check out our page about
NCO collections.

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