Can a debt collector contact me on my cell phone?

Yes, a debt collector in Washington can contact you on your cell phone. However, they must abide by the Fair Debt Collection Practices Act (FDCPA), which dictates what debt collectors can and cannot do when trying to collect a debt. Under the FDCPA, a debt collector can call you on your cell phone, but they must follow certain rules when doing so. For example, they must not call you before 8am or after 9pm in your time zone, and they cannot use harassing language or tactics. Also, the FDCPA requires debt collectors to inform you that the call is for collection purposes. Additionally, debt collectors is precluded from calling you repeatedly in an effort to annoy, abuse, or harass you. If you wish to stop a debt collector from contacting you, you can ask them to stop, either verbally or in writing. Once you have done this, they must stop calling you, although they may still contact you in writing or by email. It is important to be aware that if you receive calls from a debt collector, you can also file a complaint with the Federal Trade Commission or with the Consumer Financial Protection Bureau, or contact a consumer rights lawyer to learn more about your rights under the FDCPA.

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Can a debt collector contact me on my cell phone?

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