Can a debt collector call me on my cell phone?

Yes, a debt collector can call you on your cell phone in California. According to the Consumer Debt Defense Law, a debt collector must follow federal laws when trying to collect a debt. This includes the Telephone Consumer Protection Act (TCPA), which states that debt collectors cannot call your cell phone using an automatic dialing system or with an artificial or prerecorded voice. However, debt collectors can still call your cell phone using a live person and still remain compliant with the law. They must follow certain restrictions, such as only making calls between the hours of 8 am and 9 pm and not calling you more than three times a week. If a debt collector does call you on your cell phone, you should document the call and note any harassments or unintelligible language that was used. You can then use this information as evidence in court as the law protects consumers from any form of harassment or abuse from debt collectors. It is important to note that the Consumer Debt Defense Law also provides additional protections, such as the ability to dispute a debt or demand that the collector provide evidence of the debt. If you are being harassed or feel your rights are not being respected, you can contact a local attorney for assistance.

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