Harassment

by JAVIER
(NEWARK NY)

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)

PLS HELP!

JR....

Comments for Harassment

Click here to add your own comments

Sep 16, 2009
 Debt collector harassment
by: Gerri

Javier,

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.

Click here to add your own comments

Return to Debt Collection Questions.

Learn how debt collection laws can help you!
This website does not provide legal advice.
All information is for educational purposes only.
Copyright 2007 - 2018 by Mary Reed and Gerri Detweiler.
All rights reserved.

Disclosure: We may receive compensation for marketing some of the services mentioned on this site. Above all though, our goal is to recommend products and services we believe can help our readers. You can learn more here.