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Can a creditor call you before 9am?

Updated: 9/21/2023
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Q: Can a creditor call you before 9am?
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How many times a day can a creditor call you before it becomes harrassment?

In the state of Kansas, how many times a day can creditors call you.


Can a creditor get a judgment against you before the court date?

no


What are your responsibilities as a borrower?

Make your payments on time.If you can't pay, contact the creditor immediately, before the payment due date. Your call demonstrates your good faith. Most creditors are willing to make alternative arrangements if your situation has changed.Don't wait until the due date has passed or until the creditor calls you. Waiting puts you at a disadvantage when dealing with your creditor and that's the last thing you want.


What can a creditor do if you are in default on a credit card?

A creditor can turn you over to collections and report you to the credit reporting agencies. Depending on what type of credit card you are talking about, the creditor can also demand return of items purchased on the card (such as an appliance store account). If you are getting harassing phone calls at home or work (yes, they are allowed to call you at work), you can send them a written letter stating that you no longer want them to call you at home or work (sent via registered mail with return receipt). The creditor would then be allowed to call you one more time to verify receipt of your letter. Creditors are also not allowed to call you before 7am or after 9pm. Due to privacy isses, creditors are not allowed to tell your employer or others not listed on the credit account why they are calling.


Is the original creditor required to notify you of debt before using a third party collection agency?

Yes, the original creditor should have notified you that you had an outstanding balance. The creditor also notifies you that they will be submitting your debt to a "third party" collection agency. This is usually the final notice before your debt is sold. If you never received a notice, it is not required that the original creditor send you notice, all it is is common curiosity that they do.