Can a debt collector contact me if I’m on a debt repayment plan?

Yes, a debt collection law in Florida does allow debt collectors to contact individuals who are on repayment plans. The Fair Debt Collection Practices Act (FDCPA) provides protection from harassment and abuse from debt collectors and sets limits on when and how debt collectors are able to make contact. In Florida, a debt collector is allowed to contact a consumer in different ways in order to collect a debt, as long as it does not violate the FDCPA. For example, they are allowed to contact the consumer by mail or by phone. They are also allowed to contact third parties, such as family members or neighbors, to obtain basic information about the consumer, like the consumer’s address and phone number. However, the FDCPA does place some specific restrictions on how debt collectors can contact a consumer. To begin with, debt collectors are prohibited from using any form of harassment, abuse, threats, or excessive contact. Additionally, if a consumer has informed a debt collector that he/she is represented by an attorney, the debt collector must contact the attorney instead of the consumer. Finally, debt collectors are not allowed to contact a consumer during certain hours. Contact is generally not allowed before 8:00 AM or after 9:00 PM. By following the FDCPA, debt collectors in Florida are allowed to contact an individual if they are on a debt repayment plan. It is important, however, that debt collectors do so responsibly and adhere to the restrictions outlined in the FDCPA.

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Can a debt collector contact me if I’m on a debt repayment plan?

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