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

Yes, a debt collector can contact you if you have made a payment arrangement. In Mississippi, debt collectors are allowed to contact you by mail, telephone, or email to discuss your payment plan. This includes reminding you of any deadlines, discussing changes to your agreement, responding to your questions, and informing you of your rights related to debt collection activities. However, the debt collector cannot harass, oppress, threaten, or otherwise abuse you while doing this. Furthermore, debt collectors are not permitted to contact you before 8 a.m. or after 9 p.m., unless you agree to it. If you have told a debt collector that you do not wish to be contacted on certain days or times, the debt collector should abide by your request. If they do not, you can file a complaint with the Mississippi Office of the Attorney General or the Consumer Financial Protection Bureau. It is important to keep in mind that a payment arrangement does not erase the debt and you may still be subject to further collection attempts by the debt collector once the payment plan is complete. If you have any questions about your rights or the debt collection process, you can reach out to an attorney.

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

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