Can debt collectors call me anytime they want, day or night, about my debt?
No. Debt collectors may not harass you or anyone else, over the phone or through any other form of contact. Debt collectors cannot call you at times they know are inconvenient (or should know are inconvenient), such as before 8 a.m. or after 9 p.m., unless you specifically agree to it. Also, if a debt collector knows that you are not allowed to receive the debt collector’s calls at work then the debt collector is not allowed to call you there. If your employer does not allow you to receive personal calls at work you should let the debt collector know that.
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.