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

In Tennessee, debt collectors are allowed to contact you by phone or in person in order to collect on a debt you owe. However, they must abide by certain rules. Debt collectors must adhere to the federal Fair Debt Collection Practices Act (FDCPA). According to this law, debt collectors cannot call you repeatedly in order to annoy you or use abusive language. Additionally, debt collectors cannot contact you before 8:00 am or after 9:00 pm local time or on Sundays. Debt collectors are, however, allowed to contact you in person in order to collect on the debt. If a debt collector does come to your residence, they must follow certain regulations. A debt collector cannot come to your property to collect the debt before 8:00 am or after 9:00 pm or on Sunday. Additionally, a debt collector cannot physically threaten or harass you while on your property. In summary, debt collectors are allowed to contact you by phone or in person to collect on a debt in Tennessee. However, they must follow the guidelines of the FDCPA and cannot call you too frequently or too late in the night. If they come to your residence, they are not allowed to threaten or harass you, or come before 8:00 am or after 9:00 pm or on Sunday.

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

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