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Debt collection

Is there a limit to how many times a debt collector can call me?

A debt collector may not call you repeatedly or continuously to annoy, abuse, or harass you or others who share the number. Federal law doesn’t give a specific limit on the number of calls.

You do have a right to tell the debt collector to stop calling you. If you tell a debt collector in writing to stop contacting you, it may not contact you again except to say there will be no further contact, or to notify you that the debt collector or the creditor may take some specific action it is legally allowed to take, such as a lawsuit against you.

However, telling a debt collector to stop contacting you does not stop the debt collector or creditor from using other legal ways to collect the debt from you if you owe it, including a lawsuit against you. The creditor or the debt collector also may make a negative report to a Consumer Reporting Agency, affecting your credit report and credit score. (In some cases, the debt may be too old to affect your credit report or credit score.)

We have prepared sample letters that a consumer could use to respond to a debt collector who is trying to collect a debt along with tips on how to use them.  The sample letters may help you to get information, set ground rules about any further communication, or protect some of your rights.

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