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

In North Carolina, debt collectors are only allowed to contact individuals in person in certain circumstances. Generally, debt collectors must contact individuals by mail, email, or telephone first before attempting to contact the individual in person. If a debt collector is unable to contact an individual by those methods, then they may contact the individual in person. Additionally, debt collectors are allowed to contact an individual in person in order to serve legal papers. The Fair Debt Collection Practices Act (FDCPA) governs the regulations that debt collectors must follow when contacting individuals in North Carolina. According to the FDCPA, debt collectors are limited to contacting individuals in person between 8 AM and 9 PM. Additionally, debt collectors are only allowed to visit the individual at their home or work, and they cannot visit the same place more than once per week. When a debt collector is visiting an individual in person, the FDCPA also outlines the behavior that they’re expected to conduct. For example, they cannot visit the individual in a harassing manner, use profane language, or threaten the person with violence. If the debt collector is found to be in violation of the FDCPA, then they may be subject to fines and other penalties. Therefore, debt collectors in North Carolina are only allowed to contact individuals in person under certain conditions and must adhere to the regulations set forth by the FDCPA. If a debt collector attempts to contact an individual in an unlawful or harassing manner, then the individual can file a complaint with the Federal Trade Commission (FTC).

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