Can a debt collector call me on my cell phone?

Yes, a debt collector can call you on your cell phone. In Kansas, the consumer debt defense law does allow debt collectors to contact consumers on their cell phone, but only if the consumer has given prior consent or permission. This permission can be given verbally, in writing, or electronically. Debt collectors may call a consumer’s cell phone at any reasonable time of day, but cannot call before 8:00 A.M. or after 9:00 P.M. without permission. They may not call excessively and must honor any requests made by the consumer to stop calling. If a debt collector contacts a consumer and is asked to stop, they must cease all contact, unless they need to communicate with the debtor regarding a lawsuit, or to obtain written acknowledgement of the debt. It is important to note that if a consumer has an attorney, all communication must be directed to the attorney and not to the consumer. Therefore, if you have an attorney, debt collectors are no longer allowed to contact you on your cell phone. Overall, debt collectors in Kansas may contact individuals on their cell phone but may not call excessively or before 8 A.M. or after 9:00 P.M. without permission. If a consumer has an attorney, all contact should be directed to the attorney and not to the consumer.

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Can a debt collector call me on my cell phone?

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