Is it illegal for a debt collector to call me repeatedly?

In North Carolina, it is illegal for a debt collector to call you repeatedly. This is because of the Fair Debt Collection Practices Act (FDCPA) which is federal law that protects consumers from being abused, threatened, or harassed by debt collectors. The FDCPA limits debt collectors from contacting you more than once a week. This is regardless of whether you have answered or not. Furthermore, debt collectors cannot call you at inconvenient times, such as before 8am or after 9pm. They cannot call you at work if you have asked them not to. Lastly, debt collectors are not allowed to harass, oppress, or abuse you when attempting to collect a debt. This includes the use of obscene or profane language. If you feel that you are being harassed by a debt collector, it is important to take action. You can contact the creditor or debt collector, your state attorney general, or file a complaint with the Consumer Financial Protection Bureau. It is also important to keep records of the calls and communications you have with the debt collector, as this may help if you decide to take legal action.

Related FAQs

Can a debt collector threaten to garnish my wages?
What rights do I have when dealing with debt collectors?
What is debt collection law?
Can a debt collector contact me if I’ve moved to a different state?
Can a debt collector call my references?
Can a debt collector tell me to pay more than I owe on a debt?
Can I stop a debt collector from calling me on my cell phone?
Can a debt collector threaten to refer my debt to a collection agency?
Can a debt collector contact me if I have an attorney representing me?
What should I do if I am being harassed by a debt collector?

Is it illegal for a debt collector to call me repeatedly?

Related FAQs

Related Blog Posts