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

Yes, debt collectors are allowed to contact you even if you have made a payment arrangement. However, the law in Oregon states that debt collectors must follow specific rules when attempting to collect a debt. For example, debt collectors are only allowed to contact you between 8 a.m. and 9 p.m. and they may not contact you at work if you have specified that they should not do so. Debt collectors are also limited in the number of times they can contact you for the same debt. They must let you know why they are calling each time and must not use threats, harassment or other forms of intimidation. They are not allowed to make false statements, such as threatening to take away your home or car if you do not make the payment. If you have made a payment arrangement, debt collectors should adhere to the agreement. If they attempt to collect more than what was arranged, you may be able to take legal action against them. It is also important to keep records of all your payment arrangements, as well as any communication from the debt collector. This can help to protect you in the event of any disputes.

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

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