Can a debt collector contact me on my cell phone?

In California, debt collectors are allowed to contact you via your cell phone to collect a debt. However, they must abide by certain regulations. First, a debt collector may not call you constantly or repeatedly. They are allowed to call you once or twice a day, at appropriate times. Second, a debt collector may not call you before 8 a.m. or after 9 p.m., or at any other time they know is inconvenient for you. Third, a debt collector can only contact you on your cell phone if they have your written consent. If they do not, then they must contact you through other means, such as mail, email, or a landline phone. Debt collectors must also abide by the Fair Debt Collection Practices Act (FDCPA), which sets out rules for how debt collectors must conduct their business. According to the FDCPA, debt collectors must not use abusive or harassing language when contacting consumers. They may not make false or misleading statements about the debt, and they may not threaten consumers with legal action if they cannot or do not pay. Overall, debt collectors have the right to contact you via your cell phone to collect a debt in California, as long as they abide by certain regulations and the FDCPA.

Related FAQs

Can a debt collector ever sue me?
What happens if I can’t pay a debt collector?
Who do I contact if I believe a debt collector has violated the law?
Can a debt collector contact me by phone or in person?
Can a debt collector ever take money out of my bank account without my permission?
Can a debt collector contact me if I’ve offered to settle a debt?
Can a debt collector threaten to sue me if I don’t pay my debt?
Is it illegal for a debt collector to call me repeatedly?
What should I do if a debt collector has sued me?
What can I do if a debt collector is trying to collect a debt that isn’t mine?

Can a debt collector contact me on my cell phone?

Related FAQs

Related Blog Posts