Is there a limit on how often a debt collector can contact me?

Yes, a debt collector in North Carolina is limited in how often they can contact you regarding a debt. Under North Carolina debt collection law, debt collectors are limited to no more than one telephone call a day, as well as a maximum of two consecutive calls in a 48 hour period. Furthermore, debt collectors are prohibited from contacting you before 8 a.m and after 9 p.m. Additionally, debt collectors are not allowed to contact you at any unreasonable time, or at any unusual, or inconvenient times that are known to inconvenience you. It is important to note that there are two exceptions to debt collection law in North Carolina. The first exception is that debt collectors may contact you more than once a day or two times in 48 hours if you’ve given the debt collector permission in writing to do so. The second exception is if you have failed to pay the debt after being contacted by the debt collector. In this instance, the debt collector may contact you more than once in a day or two times in 48 hours. It is also important to know that if a debt collector has violated debt collection law in North Carolina, like calling you more than once a day or two times in 48 hours, you have the right to file a complaint with the North Carolina Department of Insurance.

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