What are the rules for calling debtors?

In South Carolina, debtors are generally subject to the Fair Debt Collection Practices Act (FDCPA). This law was created to protect debtors from aggressive debt collection tactics. The FDCPA outlines the rules for how debt collectors must contact debtors. For example, debt collectors may not call debtors before 8 AM or after 9 PM. They also cannot call debtors at work if they have been asked not to do so. Debt collectors are also prohibited from using obscene or abusive language when they contact debtors. They may not threaten violence, threaten to garnish wages, or cause public embarrassment by discussing the debt with anyone other than the debtor himself. Debt collectors also cannot call debtors repeatedly in order to harass them. They may not contact debtors more than three times in a seven day period unless the debtor has consented to such contact. In addition, debt collectors must provide debtors with a written notice informing them of their rights as a debtor. This notice must include information about the creditor, the debt amount, and the debt collector’s contact information. Finally, debt collectors must inform debtors of their right to dispute a debt. If the debtor does not owe the debt or believes the amount is incorrect, he may dispute the debt and ask for verification of the debt. The debt collector must provide the verification before continuing the collection process.

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What are the rules for calling debtors?

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