Can a debt collector contact me if I’m on Social Security Disability?

Yes, a debt collector can contact you if you are on Social Security Disability (SSD) in North Carolina. The Fair Debt Collection Practices Act (FDCPA) sets rules for how collectors can contact consumers, including those on SSD. The FDCPA says that debt collectors cannot harass or abuse debtors, threaten them with violence, or use obscene language. They also cannot use false, deceptive, or misleading means to collect a debt. Debt collectors cannot contact someone in debt more than once a day, they cannot call constantly, call late at night, or make threats to take legal action if it is not permitted. In addition, they cannot contact family members or employers of the debtor. Debt collectors must identify themselves and provide written information about the debt, and they cannot use any false, deceptive, or misleading statements when trying to collect a debt. For those on SSD, the FDCPA says that collection calls must stop once proof of SSD has been provided. Additionally, debt collectors are not allowed to use the term “Social Security” or any other term that implies that the debt collector is associated with Social Security, as that would be considered deceptive. Overall, debt collectors do have the right to contact North Carolina debtors on SSD, but they must abide by the rules set forth by the FDCPA. If a debt collector is not following the law, you can contact your state Attorney General or the Federal Trade Commission to report them.

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Can a debt collector contact me if I’m on Social Security Disability?

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