Skip to main content

Can a debt collector call me if I am listed on the National Do Not Call Registry?

Yes. Debt collectors and other companies you have business relationships with can still call you under the Do Not Call law. 

The CFPB’s Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act (FDCPA) became effective on November 30, 2021.

If you tell a debt collector in writing to stop contacting you, the collector may not contact you again except to:

  • Say there will be no further contact
  • Notify you that the debt collector or the creditor may take some specific action it is legally allowed to take, such as filing a lawsuit against you 

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 filing a lawsuit against you.

The CFPB has 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, stop or limit any further communication, or exercise some of your rights.

The National Do Not Call Registry prevents many types of unwanted sales calls. For more information, visit .