Can a debt collector contact me if I’ve moved to a different state?

Yes, a debt collector can contact you if you’ve moved to a different state. The Fair Debt Collection Practices Act (FDCPA), which is a federal law, governs debt collection practices and applies to debt collectors in all states. Under the FDCPA, a debt collector can contact a debtor in any state as long as the debt collector is licensed to do business in that state. In North Carolina, debt collectors must be licensed by the North Carolina Office of the Commissioner of Banks. The law also states that a debt collector must contact you at reasonable times and places. If a debt collector knows that you’ve moved to a different state, they must contact you at the address provided to them. They’re also prohibited from calling you more than once a day or calling you at unreasonable hours. Debt collectors must also follow the laws of the state that you’ve moved to. For example, if you’ve moved to a state with stricter debt collection laws than North Carolina’s, the debt collector would have to comply with those laws. If you believe a debt collector has violated your rights under the FDCPA or any state laws, you can make a complaint to the Consumer Financial Protection Bureau. It is important to know your rights and understand the laws that govern debt collection practices to protect yourself from debt collectors.

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Can a debt collector contact me if I’ve moved to a different state?

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