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

Yes, a debt collector can contact you if you are on a debt repayment plan in Mississippi. Debt collectors are allowed to contact you as long as they are not harassing, abusive, or oppressive. According to Mississippi state law, a debt collector must abide by all applicable state and federal laws, including the Fair Debt Collections Practices Act. The Act limits how often and when debt collectors can contact you. Debt collectors are usually allowed to make reasonable contact with the debtor. This includes contact by mail, email, or telephone. However, they are not allowed to contact you more than once a day, or to contact you at an unusual time or place, or at a time or place they know is inconvenient to you. It is also important to note that debt collectors need your written consent to contact you at work. In addition, debt collectors cannot abuse or harass you when contacting you. This means they cannot use offensive language or threats. They are also prohibited from falsely representing themselves as someone else in an effort to collect a debt, or falsely representing that they are attorneys or government representatives. Overall, debt collectors who are trying to collect payment from you must still adhere to the applicable state and federal laws. As long as they stick to the rules, a debt collector is allowed to contact you even if you are on a debt repayment plan.

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

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