Debt Collection
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Can a collection agency call you seven days a week?


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Answered 2006-05-19 13:28:19

Yes, there are not consumer laws which disallow a creditor or collector to contact a debtor on weekends or holidays. The FDCPA does state that a collector may not use excessive means that would constitute harassment, or call at unusual hours (before 8 a.m. or after 9 p.m. debtor's time). Determining the violation of such laws is usually made by a judge if the issue becomes one of litigation, or by the state's attorney general office if the debtor files a complaint.


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Most hospitals farm out collection accounts after 90 days of nonpayment to outside collection agencies.

30 days from the time the debtor requested written confirmation.

Only the credit bureaus the collection agency can remove a collection from your credit report. The collection agency won't do it now since it is paid and they have no reason to. You can dispute it to the credit bureaus and ask for verification on the account. They will have 30 days to verify the items or it must be removed from your credit report.

yes. It begins when the letter is signed for. This is why it is very important to always send a letter of dispute via registered mail. The 30 days has nothing to do with the collection agency and it's requirement to prove the validity of a debt. The 30 days applies to the consumers right to dispute a debt after receiving written notification of the debt. There is no time constraint on the collection agency to get the proof to the consumer. However, they must stop all collection activities until they do provide the proof.

Depends on the company usually 120 day or 90 days.

Legal or not, this happens every day. Inform the collection agency and the original lender that this was included in the bankruptcy. The collection agency may want to see proof but usually the original lender will call and request that - that particular account be sent back. Make sure you get something in writing from the original lender--and that the collection agency REMOVES their account off your credit report--check your report 3 to 6 months later, to make sure this has been done. If you don't want to wait--send a copy of the signed letter on the lender's letterhead to all 3 collection agencies and wait for their response. Even though it will take about 30 days--this is the quickest way.

Here is some topics of what collection agencies can and cant doCollection Agencies can do:Inform the debtor the amount of the debt that was reported by the creditorCreditor's Name, a good collection agency will contact you in representation of their client.If you don't dispute the debt, after 30 days, the debt will be assumed valid to the collection agencyDisputing the debt to the debt collector (in the first 30-days) in full or partial, the collection agency will verify with the consumerA collection agency will provide name and address from the creditor to you after you dispute the debt in the period of 30 daysWhat Certified Collection Agencies don't do:Contact someone that doesn't own the debt like; relative, employer, neighbor, in some cases co-signers may be contacted by the collection agencyThreat Calls, harassment calls, threatening to harm your credit, garnishment or repossession or threatening the debtor with an arrest.Calls can be place between 8:00 AM to 9:00 PM, debtors time. Calls cant be at inconvenience places like at work.Using false information in order to collect the debtMost of this regulations are from the FDCPA, Fair Debt Collection Practices Act, for federal collection laws

The collection agency must give you thirty days to dispute any portion of the debt they claim you owe. You must send a written reply disputing the amount and any proof of your claim.

When the collection agency contacts you, they have to give you the opportunity to request information concerning the debt. You will have thirty days to send a written request to dispute the debt. And to ask for confirmation of the original creditor, the amount owed, when the account was remanded to the agency, etc.

Credit card? About 60 to 90 days. Most other companies give you 60 days.

Normally 30 days after it is sent to a collection agency if you don't ask for validation or 180 days which is considered charged off account.

The original creditor either sells the debt to a collection agency or the collection agency may aquire the debt on a contingency basis. At any rate once the account is in collections 30 days from the date of turn over the collection agency has the right to report the account to the credit bureau. Accounts are sent to the credit bureau via internet with encrypted files.

The best thing you can do is put a little time between when the collection agency first contacted you and when you plan to pay. Don't do anything fast. Slow it down. They will get tired of calling and be willing to settle after 30 to 60 days have passed.

9:00 p.m. debtor's time zone, seven days a week including holidays. The debtor has no legal obligation to communicate with collection agents/agencies.

Generally a Creditor will wait 180 days from the date of the last payment before passing the account to a Collection Agency

You can remove collections from your credit report by disputing them to the credit bureaus. The credit bureaus have 30 days to verify your collection with the collection agency or it must be removed from your credit report.

A collection agency (or pretty much anybody now a days) can check your credit records with all three bureaus. They will see your bank records on the credit record. You can check your own credit record to see if the bank record is there.

Yes, the original creditor is not bound by the FDCPA. The collection agency must however inform the debtor that they have thirty days to request confirmation of the debt or to dispute same.

By federal mandate, the credit reporting agency must NOT report you to the credit bureaus until 30 days past the date of the letter sent to you.

after 180 days of non payment your account will be charged off and turned over to collection agency

Removing Paid Accounts from a Credit ReportIf you haven't paid your collection account(s) yet, negotiate with the collection agency. State that you plan to pay in full, and that you want them to agree to remove the item from your credit report. If you've paid, and the item remains on your report, go to the credit bureau and dispute the item that has been paid. It's a good chance that the collection agency has purged your record and therefore will NOT verify a dispute investigation from the credit bureau. If the credit bureau doesn't receive verification from the collection agency in thirty days, they are obligated by law to delete the item from your credit report. Only the collection agency or the credit bureaus can remove collections off your credit report. You can either negotiate with the collectiona agency or dispute it to the credit bureaus.

Yes. They have 30 days from the first time they contact you to get you something in writing. See the Fair Debt Collection Practices Act. If they do not, they are in violation of this Act and can get in a lot of trouble.

After being contacted by a collection agency you have thirty days to request confirmation of the debt. Their response should include the balance owed and the place where the debt was originally incurred.

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