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 North Carolina, debt collectors have the right to contact you about unpaid debts, including those you have agreed to pay in an arrangement. Under the Fair Debt Collection Practices Act, a debt collector is allowed to contact you to ask you to abide by the payment arrangements you have made with them. They cannot, however, harass or threaten you in order to get you to pay the debt. If applicable, the debt collector also has the right to remind you that you have to abide by the agreed payment arrangement. They also can contact you if you fail to make the payments on time, or if you are late in making a payment. If you have failed to make any payments, the debt collector can inform you that they are taking legal action. When communicating with debt collectors, make sure you keep records of the communication, including dates, times, and the content of the conversation. This will help you keep track of your payments and ensure that the debt collector is treating you fairly. It is also important to remember that you can dispute any inaccurate information about the debt.

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

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