Can a debt collector contact me by phone or in person?

Yes, debt collectors can contact you by phone or in person in Mississippi. The Telephone Consumer Protection Act (TCPA) prohibits debt collectors from making calls to your home or cell phone before 8 a.m. or after 9 p.m., unless you provide express permission to do so. Debt collectors are also prohibited from using obscene language or harassing behavior when contacting you. In addition, the Fair Debt Collection Practices Act (FDCPA) provides consumers with protection from unfair or deceptive debt collection activities. According to this law, debt collectors may not contact you at a job site if you let them know to stop, nor can they contact you at an inconvenient time, place or manner. If a debt collector attempts to contact you in person, they must provide proper identification and proof that they are indeed a debt collector. Debt collectors are not allowed to threaten individuals, use violence, or falsely represent themselves as lawyers or government representatives. They also may not threaten to sue you if they are not legally able to do so. Overall, debt collectors are permitted to contact you by phone or in person in Mississippi, but they must abide by the laws that protect you as a consumer. If you feel that a debt collector has violated the law, you should contact the Federal Trade Commission or an attorney to learn more about your rights.

Related FAQs

Will a debt collector ever inform me of my rights?
What should I do if I’m being hounded by a debt collector?
Can a debt collector collect a debt from someone else who is related to me?
Is there any way to stop a debt collector from contacting me?
What happens if I make a payment to the wrong debt collector?
Can I stop a debt collector from contacting me?
Can a debt collector garnish my wages without a court order?
Can a debt collector ever put a lien on my property?
Can a debt collector contact me if I’m on military deployment?
Can a debt collector contact me if I’ve made a payment arrangement?

Can a debt collector contact me by phone or in person?

Related FAQs

Related Blog Posts