What are the rules for calling debtors?

In the state of North Carolina, there are certain rules that must be followed when calling debtors. First, it is important to remember that people have certain rights which must be respected, including the right to privacy. Debt collectors must follow the Fair Debt Collection Practices Act to ensure they do not violate a person’s privacy. This includes not calling before 8am or after 9pm, not calling more than once a day, and not calling more than three times a week. Debt collectors are also prohibited from using language that is abusive, deceptive, or harassing when calling debtors. They cannot threaten or intimidate a debtor, use profane language, or make false statements. Debt collectors must also be sure to identify themselves and the purpose of the call when speaking with a debtor. It is illegal to call a person in an attempt to collect a debt and not identify themselves or the purpose of the call. In addition, debt collectors may not contact a debtor’s family members or employer to discuss the debt. They are also prohibited from calling debtors at their place of work if their employer does not allow it. Debt collectors are further prohibited from making false or misleading representations when calling a debtor, for example, claiming that they are an attorney or government representative when they are not. All of these rules must be followed when calling debtors in North Carolina in order to ensure the rights of the debtor are respected. It is also important to remember that debtors have certain rights which must be respected. If any of these rules are violated, debtors may have the right to file a complaint against the debt collector.

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