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Is it legal for a collection agency to call 3 + times a day? |
I don't answer the phone (thank god for caller ID), but are they allowed to call multiple times per day when I don't pick up? Thanks! Actually, if you're not picking up the phone, they are supposed to leave a message. However, many collection agencies are lax on their interpretation of the laws that govern collections. My suggestion is arm yourself with knowledge. The laws that govern collections and their applications are included in the Fair Debt Act of 1977. This of course is a long and tedious document that was written by lawyers. However, the FTC has created a wonderful FAQ about what's included. Here's the link: http://www.ftc.gov/bcp/conline/pubs/cred... This will cover any questions you may have about what creditors and collection agencies can and can NOT do. they can call you as much as they want. you have a debt to pay and they have a collection to obtain. failure to communicate will result in adverse effects on your credit score. be wise and answer the phone, douche. I think they can call as often as they want. You are within your rights to tell them to only correspond with you by mail. At least it used to be that way. My advice: Pay your bills. I'm so glad I don't have those a$$holes calling me anymore. It's a nice feeling. Yes. You owe them money and they want it back. I think it is... they're trying to connect with you because you owe them money. Here is a link to the Federal Fair Debt Collections Act: They can unless you send them, via registered mail, a cease and desist letter. See 805(c): NO that is harrassment. Check out the link below and click on your state. |
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