When is a debt collector allowed to contact me in person?

In California, the law states that debt collectors cannot contact a person in person unless they are given prior permission from the individual. If a debt collector does contact a person in person without permission, they are breaking the law. Generally, debt collectors will only attempt personal contact with a person if all other attempts to contact the individual have been unsuccessful. Even after gaining permission, debt collectors are limited in the time and location of their contact as set forth by the Fair Debt Collection Practices Act (FDCPA). According to the act, debt collectors are only allowed to contact a person between 8:00 a.m. and 9:00 p.m. and they may not contact a person in a public place. In addition, debt collectors are prohibited from engaging in any type of harassment, threats, or abuse. This includes calling someone repeatedly and using profane language. If a debt collector is found to have violated any of the provisions of the FDCPA, the individual may be entitled to damages from the debt collector. It is important to remember that debt collectors cannot contact a person in person without prior permission. In addition, even with prior permission, debt collectors must adhere to certain restrictions as set forth under the Fair Debt Collection Practices Act. If a debt collector engages in any type of harassment or abuse, the individual may be entitled to damages.

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When is a debt collector allowed to contact me in person?

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