{"id":187,"date":"2010-06-18T19:50:23","date_gmt":"2010-06-18T19:50:23","guid":{"rendered":"http:\/\/174.120.83.8\/~nwdrlf\/?page_id=187"},"modified":"2021-12-13T11:08:20","modified_gmt":"2021-12-13T11:08:20","slug":"how-and-when-debt-collectors-may-contact-you","status":"publish","type":"page","link":"https:\/\/nwdrlf.com\/what-is-bankruptcy\/are-you-being-treated-unfairly-by-debt-collectors\/how-and-when-debt-collectors-may-contact-you\/","title":{"rendered":"How and When Debt Collectors May Contact You"},"content":{"rendered":"
Your debt collection attorney can tell you that under FDCPA<\/a>, a debt collector may contact you by mail, in person, by telephone or by telegram during “convenient hours” (commonly between 8 AM and 9 PM). Within five days of the first contact with you, the debt collector must send you a written notice telling you:<\/p>\n The first notice must also include certain warnings including a statement that the communication is from a debt collector and that any information obtained may be used to collect the debt. Except for pleadings associated with a legal action, all subsequent communication from the debt collector must also include this warning.<\/p>\n Your debt collection attorney will want you\u00a0to remember that the thirty day notice requirement does not limit the debt collector from taking other measures to collect the debt during that initial thirty day period, including starting a lawsuit against you.<\/p>\n Debt collectors<\/a> cannot\u00a0take any actions against you that are deceptive, fraudulent, or designed to harass or intimate you. In other words, a debt collector cannot take any action designed to force you to pay a debt against your will. For example, a debt collector cannot:<\/p>\n If you do not have an attorney, the debt collector may make only those inquiries necessary to determine where you live, what your phone number is, and where you work. If your current address is\u00a0unknown, the debt collector may have permission to send a single letter to your last known employer inquiring about your present address. Ordinarily, other than your debt collection attorney, a debt collector may make only one inquiry about you with any given third party.<\/p>\n If, within thirty days after receiving written notice of the debt from the debt collector, you send the collection agency a letter asking for proof of the debt then the collector must stop contacting you. The notice must be in writing. You must also hand deliver or postmark the letter within thirty days of the first written notice from the debt collector. The debt collector may renew collection activities if you\u00a0receive proof of the debt, such as a copy of a bill for the amount claimed by the creditor.<\/p>\n If you have a debt collection attorney, you can instruct the debt collector to make all inquiries about the debt through your attorney. Once the debt collector receives instructions\u00a0to make inquiries through your attorney, they no longer have permission\u00a0to make any direct contact<\/a> with you.<\/p>\n If you simply want the debt collector to stop contacting you then you must send a written notice instructing them to stop. Once the collection agency receives that letter, they may contact you only one additional time to notify you that the collection agency or creditor intends to take a specific action in relation to the debt.<\/p>\n Sending this type of notice does not resolve the debt. For example, the creditor may file a lawsuit against you in order to collect the debt, even if you prohibit further contact by the collection agency.<\/p>\n<\/div>\n
Things Debt Collectors Cannot\u00a0Do?<\/h3>\n
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Can Debt Collectors Call Other People About Your Debt?<\/h3>\n
How Do You Get Proof of the Debt?<\/h3>\n
How Can You Stop Collectors From Contacting You?<\/h3>\n