Can a debt collector contact me if I’ve offered to settle a debt?

Yes, a debt collector can still contact you even if you have offered to settle a debt. In Mississippi, debt collectors are allowed to contact you to discuss the offer that you have proposed to settle the debt. However, this does not mean that a debt collector can call or contact you continuously. The Fair Debt Collection Practices Act (FDCPA) outlines the standards for debt collection practices. According to the FDCPA, debt collectors must follow certain guidelines when attempting to collect a debt from someone. Debt collectors are not allowed to contact a debtor repeatedly or continuously with the intent to annoy or harass the debtor. In addition, debt collectors must adhere to the hours of operation outlined by the FDCPA which states that calls should not be attempted before 8:00 a.m. or after 9:00 p.m. If a debt collector has violated the FDCPA in regards to your case, it is important to take legal action. Note, you should also keep documentation of any phone calls or letters received from the debt collector. This documentation can be used in the event that you file a lawsuit against the debt collector.

Related FAQs

Can a debt collector ever sue me?
What is the Fair Debt Collection Practices Act?
Can a debt collector tell me to pay more than I owe on a debt?
Can a debt collector call my references?
What rights do I have when dealing with debt collectors?
Can a debt collector list my debt on my credit report?
What happens if I don’t respond to a debt collector’s request for payment?
Can a debt collector contact me if I have an attorney representing me?
Can a debt collector ever contact me more than once a week?
Can a debt collector contact me at my place of work if I’ve asked them not to?

Can a debt collector contact me if I’ve offered to settle a debt?

Related FAQs

Related Blog Posts