Can a debt collector contact me if I’ve made a payment arrangement?

Yes, a debt collector can contact you even if you have made a payment arrangement. The Fair Debt Collection Practices Act (FDCPA) outlines the rules which debt collectors must abide by when collecting debts. In Florida, the FDCPA states that debt collectors can contact you to confirm a payment arrangement that has been approved by the creditor, or to modify the terms of the arrangement if it has not been fulfilled. However, the FDCPA prohibits debt collectors from contacting you if the payment arrangement is already in effect. In other words, once a payment arrangement has been agreed upon, the debt collector should not contact you about the debt. It is also important to note that the FDCPA does not prohibit debt collectors from sending notices related to the debt. If you are contacted by a debt collector after a payment arrangement has been set up, you can file a complaint with the Florida Office of Financial Regulation. Additionally, you can take legal action against the debt collector for violating the FDCPA. It is important to keep in mind that even if you are in a payment arrangement, debt collectors can still take legal action against you in order to collect the debt. This includes suing you in court and seizing assets. Therefore, it is important to understand the rules governing debt collections so that you can protect your rights.

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Can a debt collector contact me if I’ve made a payment arrangement?

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